| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES - DURHAM | PO BOX 12941 RESEARCH TRIANGLE PARK, NC 27709 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $17K | $21K | 2.30% |
| THE CASON GROUP INC3 Filed as: CASON GROUP INC | 1612 MARION ST COLUMBIA, SC 29201 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 1.20% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES - GREENS | 7701 AIRPORT CENTER DR. SUITE 1800 GREENSBORO, NC 27409 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 6.87% |
| THE CASON GROUP INC3 | 1612 MARION ST FOURTH FLOOR COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $2K | $7K | 20.71% |
| MCGRIFF INSURANCE SERVICES INC3 | 435 EVANS ST GREENVILLE, NC 27858 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 13.43% |
| MCGRIFF INSURANCE SERVICES INC3 | 999 SHADY GROVE SUITE 200 MEMPHIS, TN 38119 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $621 | $3K | 8.89% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 143 | $898K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 143 | $898K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 143 | $898K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 148 | $53K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 47 | $36K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 47 | $36K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 148 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.