| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 174 MEETING STREET SUITE 450 CHARLESTON, SC 29401 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $30K | — | $30K | 2.12% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | POST OFFICE BOX 8628 COLUMBIA, SC 29202 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $22K | — | $22K | 1.55% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES,LLC | 1150 JULIAN DRIVE SUITE 100 WATKINSVILLE, GA 30677 | SUN LIFE ASSURANCE COMPANY OF CANADA | $17K | — | $17K | 10.10% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 550 SOUTH CALDWEL STREET SUITE 1500 CHARLOTTE, NC 28202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | $2K | $18K | 13.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MELENNAN AGENCY, | PO BOX 896620 CHARLOTTE, NC 28289 | COMMUNITY EYE CARE | $117 | — | $117 | 0.75% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 95 | $1.4M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 111 | $130K |
| Vision | COMMUNITY EYE CARE | 195 | $16K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 455 | $166K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 455 | $166K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 455 | $166K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 95 | $1.4M |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 455 | $297K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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.