| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 4309 EMPEROR BLVD. STE 300 DURHAM, NC 27703 | HARTFORD LIFE AND ACCIDENT | $62K | — | $62K | 16.68% |
| MCGRIFF INSURANCE SERVICES INC3 | 628 GREEN VALLEY ROAD SUITE 304 GREENSBORO, NC 27408 | HARTFORD LIFE AND ACCIDENT | — | $6K | $6K | 1.63% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 250 W FIRST ST #100 PO BOX 168 WINSTON SALEM, NC 271020168 | AMERITAS LIFE INSURANCE CORPORATION | $15K | — | $15K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 47 AIRPARK CT PO BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORPORATION | — | $6K | $6K | 2.06% |
| MCGRIFF INSURANCE SERVICES INC3 | 3160 S. MAIN ST. HARRISONBURG, VA 22801 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 19.42% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 168 WINSTON SALEM, NC 27102 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $763 | $763 | 1.85% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 500 N. CHERRY ST SUITE 500 WINSTON-SALEM, NC 27101 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 313 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TELADOC HEALTH, INC. | 26 | $14K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 660 | $291K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 222 | $29K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 328 | $374K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 328 | $374K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 328 | $374K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 346 | $435K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 660 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.