| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 550 S CALDWELL ST STE 1500 CHARLOTTE, NC 28202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $46K | $12K | $58K | 10.64% |
| HOME OFFICE TPA PAYS COMMISSION3 Filed as: HOME OFFICE | 5900 O ST LINCOLN, NE 685102234 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $25K | — | $25K | 10.71% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 890635 CHARLOTTE, NC 282890635 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $547 | $3K | 17.99% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $913 | $182 | $1K | 6.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 890635 CHARLOTTE, NC 282890635 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $422 | $2K | 18.38% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $624 | $141 | $765 | 6.13% |
| GIS BENEFITS INC3 Filed as: GIS OF MIDATLANTIC | 1414 KEY HIGHWAY - SUITE 300M BALTIMORE, MD 21230 | METLIFE LEGAL PLANS | $603 | — | $603 | 13.45% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | METLIFE LEGAL PLANS | $600 | — | $600 | 13.38% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201, BLDG I SUITE 100 AUSTIN, TX 78766 | METLIFE LEGAL PLANS | — | $300 | $300 | 6.69% |
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 | 243 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 465 | $3.4M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 523 | $235K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 523 | $235K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 254 | $541K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 254 | $541K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 254 | $541K |
| Other(4 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 254 | $576K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 523 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.