| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES - SC | 2000 CENTER POINT RD SUITE 2400 COLUMBIA, SC 29210 | UNITEDHEALTHCARE INSURANCE COMPANY | $74K | — | $74K | 4.86% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 7391 HODGSON MEMORIAL DRIVE SUITE 100 SAVANNAH, GA 31406 | GUARDIAN | $71K | — | $71K | 15.46% |
| THE CASON GROUP INC | 1612 MARION STREET 4TH FLOOR COLUMBIA, SC 29201 | GUARDIAN | $23K | — | $23K | 5.00% |
| GCG FINANCIAL LLC Filed as: ALERA GROUP INC | — | GUARDIAN | — | $13K | $13K | 2.92% |
| JENNIFER WRICE3 | 7419 GREY WOLF CIRCLE ANCHORAGE, AK 99507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $197 | $385 | $582 | 5.04% |
| ELITE-VB LLC3 | 111 HEKILI STREET KAILUA, HI 96734 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $523 | — | $523 | 4.53% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES - SC | 7701 AIRPORT CENTER DRIVE GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $491 | — | $491 | 4.25% |
| MELLONEASE KIRKSEY3 | 1664 CEDAR SPRINGS CT CLARKSVILLE, TN 37042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $250 | $149 | $399 | 3.46% |
| FRANK THOMAS BAILEY3 | 3630 LOC SALT ANCHORAGE, AK 99516 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $245 | $322 | 2.79% |
| MEGAN ELIZABETH CASTO3 | HOME OFFICE COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $176 | $113 | $289 | 2.50% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $10 | $57 | 0.49% |
| CYNTHIA WHALEN3 | 123 PINE VALLEY DRIVE MIDDLETOWN, DE 19709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $12 | $39 | 0.34% |
| CYRUS PINDER3 | 2375 CHINOOK AVE ANCHORAGE, AK 99516 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $1 | $22 | 0.19% |
| CHRISTINE LYNN MORGESTER3 | 14913 S SUNTERRA LOOP OREGON CITY, OR 97045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.15% |
| MELODY ANN OVERLAND3 | 8030 KENTON LN SE TUMWATER, WA 98501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $5 | $16 | 0.14% |
| MARY DAUGHERTY3 | 7108 WEST CHERMONT CIRCLE KNOXVILLE, TN 37918 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $2 | $14 | 0.12% |
| ANGELA MAY RAMIREZ3 | 850 NORTH WESGLENN CIRCLE #1 WASILLA, AK 99654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $4 | $10 | 0.09% |
| KAREN MARIE FLANAGAN3 | PO BOX 871614 WASILLA, AK 99687 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.07% |
| BRANDON MARCELLO CENTO3 | 17362 DOVEHOUSE LANE WESTFIELD, IN 46074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $3 | $6 | 0.05% |
| RICH IN BENEFITS INC3 | 13109 NE 123RD STREET KIRKLAND, WA 98034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.02% |
| JM TAMER & CO3 | 6500 PAPERMILL DR STE 201 KNOXVILLE, TN 37922 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.02% |
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 | 311 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 311 | $1.5M |
| Dental | GUARDIAN | 264 | $461K |
| Vision | GUARDIAN | 264 | $461K |
| Life insurance | GUARDIAN | 264 | $461K |
| Short-term disability | GUARDIAN | 264 | $461K |
| Long-term disability | GUARDIAN | 264 | $461K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 311 | $1.5M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 264 | $473K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.