| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | P.O. BOX 896620 CHARLOTTE, NC 28289 | UNITEDHEALTHCARE INSURANCE COMPANY | $132K | — | $132K | 11.09% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | P.O. BOX 17370 RICHMOND, VA 23226 | DELTA DENTAL OF VIRGINIA | $15K | — | $15K | 2.97% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | PO BOX 211486 COLUMBIA, SC 292216486 | DELTA DENTAL OF VIRGINIA | $7K | — | $7K | 1.48% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | P.O. BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $31K | — | $31K | 10.94% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | P.O. BOX 211486 SUITE 200 COLUMBIA, SC 29221 | STANDARD INSURANCE COMPANY | — | $8K | $8K | 2.63% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | P.O. BOX 896620 CHARLOTTE, NC 282171964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $15K | — | $15K | 8.15% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $13K | — | $13K | 7.21% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | P.O. BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 6.03% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | P.O. BOX 211486 SUITE 200 COLUMBIA, SC 29221 | STANDARD INSURANCE COMPANY | — | $4K | $4K | 2.67% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | P.O. BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 6.16% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | P.O. BOX 211486 SUITE 200 COLUMBIA, SC 29221 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 2.61% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN (VSP) | $7K | — | $7K | 9.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $406K |
| MCGRIFF INSURANCE SERVICES EIN 56-1623293 BROKER | Other commissions Service code 55 | 7701 AIRPORT CENTER DR. STE 1800 GREENSBORO, NC 274099047 | $0 |
| THE BENEFIT COMPANY INC. EIN 57-0968080 BROKER | Other commissions Service code 55 | PO BOX 211486 COLUMBIA, SC 292216486 | $0 |
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 | 741 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 745 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,174 | $1.2M |
| Dental | DELTA DENTAL OF VIRGINIA | 1,287 | $491K |
| Vision | VISION SERVICE PLAN (VSP) | 579 | $75K |
| Life insurance | STANDARD INSURANCE COMPANY | 741 | $287K |
| Short-term disability | STANDARD INSURANCE COMPANY | 712 | $109K |
| Long-term disability | STANDARD INSURANCE COMPANY | 712 | $152K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,174 | $1.2M |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,174 | $1.2M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 755 | $486K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,287 | — |
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.