| 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 27409 | ONE AMERICA/ AMERICAN UNITED LIFE INSURANCE COMPANY | $82K | — | $82K | 13.79% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC | 3800 FERNANDINA ROAD COLUMBIA, SC 29210 | ONE AMERICA/ AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $24K | $24K | 4.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO | $10K | — | $10K | 9.75% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 4309 EMPEROR BLVD. SUITE 300 DURHAM, NC 27703 | RELIASTAR LIFE INSURANCE COMPANY | $17K | — | $17K | 25.39% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 250 W. 1ST STREET SUITE 100 WINSTON SALEM, NC 27101 | RELIASTAR LIFE INSURANCE COMPANY | $2K | — | $2K | 2.49% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER BLVD SUITE 1800 GREENSBORO, NC 27409 | COMBINED INSURANCE | $21K | — | $21K | 45.12% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | 3800 FERNANDINA ROAD COLUMBIA, SC 29221 | COMBINED INSURANCE | $21K | — | $21K | 44.82% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 7.91% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SVCS INC | P.O. BOX 896620 CHARLOTTE, NC 28217 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.73% |
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 | 1,362 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO | 1,026 | $107K |
| Life insurance(2 contracts, 2 carriers) | ONE AMERICA/ AMERICAN UNITED LIFE INSURANCE COMPANY | 1,618 | $641K |
| Short-term disability | ONE AMERICA/ AMERICAN UNITED LIFE INSURANCE COMPANY | 1,618 | $595K |
| Long-term disability | ONE AMERICA/ AMERICAN UNITED LIFE INSURANCE COMPANY | 1,618 | $595K |
| Other(4 contracts, 4 carriers) | ONE AMERICA/ AMERICAN UNITED LIFE INSURANCE COMPANY | 1,618 | $749K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,618 | — |
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.