| 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 | $97K | — | $97K | 5.13% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 214 N TRYON ST FL 46 CHARLOTTE, NC 28202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $63K | — | $63K | 16.91% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | 1612 MARION ST COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | — | $18K | 4.90% |
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 | 340 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 304 | $1.9M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 340 | $371K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 340 | $371K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 340 | $371K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 340 | $371K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 340 | $371K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 304 | $1.9M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 340 | $371K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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.