| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 8628 COLUMBIA, SC 29202 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $151K | $151K | 2.88% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 47 AIRPARK COURT GREENVILLE, SC 29607 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $150K | $150K | 2.86% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $84K | $0 | $84K | 8.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 711 BROADWAY, SUITE 505 SAN ANTONIO, TX 78215 | STANDARD INSURANCE COMPANY | $43K | $0 | $43K | 4.53% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 23127 COLUMBIA, SC 29224 | STANDARD INSURANCE COMPANY | $0 | $29K | $29K | 3.07% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | STANDARD INSURANCE COMPANY | $0 | $20K | $20K | 2.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 896620 CHARLOTTE, NC 28289 | EXPRESS SCRIPTS, INC. | $3K | $0 | $3K | 1.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 896620 CHARLOTTE, NC 28289 | UNITED AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 6.87% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 628 GREEN VALLEY ROAD, SUITE 304 GREENSBORO, NC 27408 | HARTFORD LIFE AND ACCIDENT | $0 | $25 | $25 | 1.26% |
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 | 457 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 84 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 541 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 390 | $5.4M |
| Dental | STANDARD INSURANCE COMPANY | 433 | $942K |
| Vision | STANDARD INSURANCE COMPANY | 433 | $942K |
| Life insurance | STANDARD INSURANCE COMPANY | 433 | $942K |
| Long-term disability | STANDARD INSURANCE COMPANY | 433 | $942K |
| Prescription drug | EXPRESS SCRIPTS, INC. | 49 | $150K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 457 | $944K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 457 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.