| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER BLVD SUITE 1800 GREENSBORO, NC 274099047 | UNITEDHEALTHCARE INSURANCE COMPANY | $48K | — | $48K | 5.22% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | LINCOLN FINANCIAL GROUP | $11K | — | $11K | 12.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMIN, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | LINCOLN FINANCIAL GROUP | — | $4K | $4K | 4.00% |
| GIS BENEFITS INC3 Filed as: GIS OF FLORIDA | 9500 KOGER AVENUE SUITE 200 ST. PETERSBURG, FL 33702 | LINCOLN FINANCIAL GROUP | $4K | — | $4K | 4.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | LINCOLN FINANCIAL GROUP | $6K | — | $6K | 12.00% |
| GIS BENEFITS INC3 Filed as: GIS OF FLORIDA | 9500 KOGER AVENUE SUITE 200 ST. PETERSBURG, FL 33702 | LINCOLN FINANCIAL GROUP | $2K | — | $2K | 4.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMIN, INC. | P.O. BOX 9201 BUILDING I AUSTIN, TX 78766 | LINCOLN FINANCIAL GROUP | — | $2K | $2K | 4.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | LINCOLN FINANCIAL GROUP | $4K | — | $4K | 17.33% |
| GIS BENEFITS INC3 Filed as: GIS OF FLORIDA | 9500 KOGER AVENUE SUITE 200 ST. PETERSBURG, FL 33702 | LINCOLN FINANCIAL GROUP | $2K | $976 | $3K | 13.81% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMIN, INC | P.O. BOX 9201 BUILDING I AUSTIN, TX 78766 | LINCOLN FINANCIAL GROUP | — | $972 | $972 | 3.99% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | LINCOLN FINANCIAL GROUP | $1K | — | $1K | 9.08% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | LINCOLN FINANCIAL GROUP | $1K | — | $1K | 12.03% |
| GIS BENEFITS INC3 Filed as: GIS OF FLORIDA | 9500 KOGER AVENUE SUITE 200 ST. PETERSBURG, FL 33702 | LINCOLN FINANCIAL GROUP | $393 | — | $393 | 4.04% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMIN, INC | P.O. BOX 9201 BUILDING I AUSTIN, TX 78766 | LINCOLN FINANCIAL GROUP | — | $393 | $393 | 4.04% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 90 | $921K |
| Vision | LINCOLN FINANCIAL GROUP | 82 | $12K |
| Life insurance(2 contracts) | LINCOLN FINANCIAL GROUP | 149 | $34K |
| Short-term disability | LINCOLN FINANCIAL GROUP | 149 | $49K |
| Long-term disability | LINCOLN FINANCIAL GROUP | 149 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.