| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3150 S. MAIN STREET HARRISONBURG, VA 22801 | SUN LIFE ASSURANCE COMPANY NORTH AMERICA | $15K | $7K | $22K | 10.83% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 4309 EMPEROR BLVD SUITE 300 DURHAM, NC 27703 | SUN LIFE ASSURANCE COMPANY NORTH AMERICA | $15K | — | $15K | 7.50% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | P.O. BOX 13941 DURHAM, NC 27709 | AMERITAS LIFE INSURANCE CORPORATION | $8K | — | $8K | 6.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 47 AIRPARK COURT GREENVILLE, SC 29616 | AMERITAS LIFE INSURANCE CORPORATION | — | $3K | $3K | 2.71% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 9701 AIRPORT CENTER DRIVE #1800 GREENSBORO, NC 27409 | COMMUNITY EYE CARE | $3K | — | $3K | 10.00% |
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 | 282 | 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) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 657 | $128K |
| Vision | COMMUNITY EYE CARE | 366 | $28K |
| Life insurance | SUN LIFE ASSURANCE COMPANY NORTH AMERICA | 320 | $203K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY NORTH AMERICA | 320 | $203K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY NORTH AMERICA | 320 | $203K |
| Other | SUN LIFE ASSURANCE COMPANY NORTH AMERICA | 320 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 657 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.