| 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 | $30K | — | $30K | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $32K | — | $32K | 5.66% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 890635 CHARLOTTE, NC 282890635 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $22K | — | $22K | 3.86% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $22K | — | $22K | 5.64% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 890635 CHARLOTTE, NC 282890635 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | — | $15K | 3.89% |
| 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 | $61K | — | $61K | 24.17% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 890635 CHARLOTTE, NC 282890635 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $30K | — | $30K | 24.49% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 9.59% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 890635 CHARLOTTE, NC 28289 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 4.45% |
| MARK METTILLE3 Filed as: MARK METTILLE C/O GROUP INSURANCE S | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 1.09% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 890635 CHARLOTTE, NC 282890635 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | — | $19K | 18.91% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 10.50% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 890635 CHARLOTTE, NC 282890635 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 3.80% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 890635 CHARLOTTE, NC 282890635 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $830 | — | $830 | 3.63% |
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 | 2,633 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,655 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,617 | $173K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,183 | $394K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,341 | $1.2M |
| Other(8 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,459 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,459 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.