| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES-SC | 47 AIRPARK CT GREENVILLE, SC 29607 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $270K | $270K | 5.22% |
| MCGRIFF INSURANCE SERVICES INC3 | ATTN EB COMMISSION P.O. BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $147K | — | $147K | 15.46% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | 3800 FERNANDINA RD SUITE 200 COLUMBIA, SC 29210 | STANDARD INSURANCE COMPANY | — | $29K | $29K | 3.08% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | EXPRESS SCRIPTS, INC. | $3K | — | $3K | 1.94% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | UNITED AMERICAN INSURANCE COMPANY | $9K | — | $9K | 6.82% |
| MCGRIFF INSURANCE SERVICES INC3 | 628 GREEN VALLEY ROAD SUITE 304 GREENSBORO, NC 27408 | HARTFORD LIFE AND ACCIDENT | — | $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 | 434 | 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) | 436 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 841 | $5.3M |
| Dental | STANDARD INSURANCE COMPANY | 431 | $949K |
| Vision | STANDARD INSURANCE COMPANY | 431 | $949K |
| Life insurance | STANDARD INSURANCE COMPANY | 431 | $949K |
| Short-term disability | STANDARD INSURANCE COMPANY | 431 | $949K |
| Long-term disability | STANDARD INSURANCE COMPANY | 431 | $949K |
| Prescription drug | EXPRESS SCRIPTS, INC. | 49 | $152K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 431 | $951K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 841 | — |
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.