| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 4309 EMPEROR BLVD SUITE 300 DURHAM, NC 27703 | RELIASTAR LIFE INSURANCE COMPANY | $19K | $2K | $21K | 7.25% |
| MCGRIFF INSURANCE SERVICES INC3 | EB COMMISSION P O BOX 896620 CHARLOTTE, NC 28289 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $566 | $8K | 6.34% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 5.15% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | 401 S MOUNT JULIET STE 235 PMB 184 MT JULIET, TN 37076 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $762 | $762 | 0.63% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS, INC | RUSSELL BERMAN 3400 OVERTON PARK DRIVE STE 300 ATLANTA, GA 30339 | PAN AMERICAN LIFE INSURANCE COMPANY | $600 | — | $600 | 0.65% |
| MCGRIFF INSURANCE SERVICES INC3 | EB COMMISSION P O BOX 896620 CHARLOTTE, NC 28289 | UNUM INSURANCE COMPANY | $5K | $1K | $6K | 9.00% |
| MCGRIFF INSURANCE SERVICES INC3 | EB COMMISSION P O BOX 896620 CHARLOTTE, NC 28289 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 46.66% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 50 S 6TH STREET SUITE 975 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$3K | — | -$3K | -26.67% |
| MCGRIFF INSURANCE SERVICES INC3 | EB COMMISSION P O BOX 896620 CHARLOTTE, NC 28289 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $473 | — | $473 | 65.06% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 50 S 6TH STREET SUITE 975 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$327 | — | -$327 | -44.98% |
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 | 892 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 907 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PAN AMERICAN LIFE INSURANCE COMPANY | 6 | $92K |
| Vision(2 contracts) | EYEMED VISION CARE | 1,389 | $61K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 2,818 | $285K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 2,818 | $285K |
| Other(6 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,818 | $579K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,818 | — |
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.