| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES - SC | 47 AIRPARK CT GREENVILLE, SC 29607 | UNITED HEALTHCARE INSURANCE COMPANY | $120K | — | $120K | 4.87% |
| MCGRIFF INSURANCE SERVICES INC3 | 999 SHADY GROVE SUITE 200 MEMPHIS, TN 38119 | SUN LIFE ASSURANCE COMPANY OF CANADA | $87K | — | $87K | 15.87% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | 1612 MARION ST COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28K | — | $28K | 5.04% |
| MCGRIFF INSURANCE SERVICES INC3 | 4777 SHARON ROAD 4TH FL CHARLOTTE, NC 28210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $21K | — | $21K | 3.84% |
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 | 395 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 395 | $2.5M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 336 | $550K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 336 | $550K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 336 | $550K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 336 | $550K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 336 | $550K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 395 | $2.5M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 336 | $550K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.