| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | HARTFORD LIFE AND ACCIDENT | $10K | $7K | $18K | 13.14% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP, LLC | 1439 STUART ENGALS BLVD UNIT 300 MT PLEASANT, SC 29464 | HARTFORD LIFE AND ACCIDENT | — | $8K | $8K | 5.57% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 5925 CARNEGIE BLVD SUITE 400 CHARLOTTE, NC 282094659 | AMERITAS LIFE INSURANCE CORP. | $4K | $944 | $5K | 6.17% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 47 AIRPARK CT. PO BOX 27419 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP. | — | $3K | $3K | 3.35% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP, LLC | 1439 STUART ENGALS BLVD UNIT 300 MT PLEASANT, SC 294643686 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 2.00% |
| KAREN A. SIMPSON3 Filed as: KAREN A SIMPSON | 7745 CHAPEL CREEK DRIVE DENVER, NC 28037 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 7.08% |
| 3C HOLDINGS INC3 Filed as: 3C HOLDINGS INC. | 908 SYDNEY DRIVE CHARLOTTE, NC 28270 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $893 | — | $893 | 2.05% |
| FOUNDERS FINANCIAL GROUP LLC3 | 737 PLANTATION RD LANCASTER, SC 29720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $629 | $164 | $793 | 1.82% |
| PETER MICHAEL FOLEY JR3 | 150 PAMPLICO LANE MOORESVILLE, NC 28117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $703 | $10 | $713 | 1.63% |
| JOANNE K ROY3 | 5500 TURKEY OAK DRIVE MINT HILL, NC 28227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $427 | $92 | $519 | 1.19% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM INC. | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $107 | $161 | $268 | 0.61% |
| CAROLINA BENEFITS SOURCE INC3 Filed as: CAROLINA BENEFITS SOURCE INC. | 4461 NE 30TH AVENUE LIGHTHOUSE PT, FL 33064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $167 | — | $167 | 0.38% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 282896620 | COMMUNITY EYE CARE | $4K | — | $4K | 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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 32 | $44K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 356 | $80K |
| Vision | COMMUNITY EYE CARE | 303 | $42K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 239 | $178K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 239 | $178K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 239 | $135K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 239 | $182K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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.