| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3318 W FRIENDLY AVE, SUITE 400 GREENSBORO, NC 27410 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $151K | $105K | $256K | 4.25% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 292216486 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $151K | $0 | $151K | 2.50% |
| WORKPLACE SOLUTIONS, INC.3 | 120-A GILLS CREEK PKWY COLUMBIA, SC 29209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $712K | $85K | $797K | 20.45% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3318 W FRIENDLY AVE, SUITE 400 GREENSBORO, NC 27410 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $229K | $14K | $243K | 6.23% |
| SPD BENEFITS, LLC3 | PO BOX 29209 GREENSBORO, NC 27429 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $52K | $0 | $52K | 1.35% |
| BOUDREAUX, BEAU, DAVID3 | 120 GILLS CRK PKWY COLUMBIA, SC 29209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $49K | $0 | $49K | 1.25% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY ROAD, SUITE F GREENSBORO, NC 27409 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $9K | $9K | 0.24% |
| SPRUILL, ALLENE, DAVIS3 | 5720 BAYLEAF LN GREENSBORO, NC 27455 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $0 | $9K | 0.23% |
| WORKPLACE SOLUTIONS, INC.3 | 120-A GILLS CREEK PKWY COLUMBIA, SC 29209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $629K | $127K | $756K | 34.23% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 3318 W FRIENDLY AVE, SUITE 400 GREENSBORO, NC 27410 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $617K | $62K | $679K | 30.74% |
| BOUDREAUX, BEAU, DAVID3 | 120 GILLS CRK PKWY COLUMBIA, SC 29209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $79K | $0 | $79K | 3.59% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3318 W FRIENDLY AVE, SUITE 400 GREENSBORO, NC 27410 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $97K | $0 | $97K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 4309 EMPEROR BLVD, STE 300 DURHAM, NC 27703 | RELIASTAR LIFE INSURANCE COMPANY | $17K | $0 | $17K | 0.96% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 3318 W FRIENDLY AVE, SUITE 400 GREENSBORO, NC 27410 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $67K | $26K | $94K | 6.24% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 292216486 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $66K | $0 | $66K | 4.37% |
| SPD BENEFITS, LLC3 | PO BOX 29209 GREENSBORO, NC 27429 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $41K | $0 | $41K | 2.94% |
| SPRUILL, ALLENE, DAVIS3 | 5720 BAYLEAF LN GREENSBORO, NC 27455 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $0 | $9K | 0.65% |
| CARTER DAVENPORT3 | PO BOX 29209 GREENSBORO, NC 27429 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 0.19% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 1847 WILSON, NC 27893 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 0.14% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 3318 W FRIENDLY AVE, SUITE 400 GREENSBORO, NC 27410 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $134 | $0 | $134 | 0.01% |
| DANNY ROBERT PARKER3 | PO BOX 29209 GREENSBORO, NC 27429 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $89 | $0 | $89 | 0.01% |
| WORKPLACE SOLUTIONS, INC.3 | 120-A GILLS CREEK PKWY COLUMBIA, SC 29209 | FIRST UNUM LIFE INSURANCE COMPANY | $7K | $0 | $7K | 14.15% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 3318 W FRIENDLY AVE, SUITE 400 GREENSBORO, NC 27410 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.38% |
| BOUDREAUX, BEAU, DAVID3 | 120 GILLS CRK PKWY COLUMBIA, SC 29209 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.07% |
| SPD BENEFITS, LLC3 | PO BOX 29209 GREENSBORO, NC 27429 | FIRST UNUM LIFE INSURANCE COMPANY | $525 | $0 | $525 | 1.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $12.8M |
| FLORES AND ASSOCIATES EIN 56-1542307 NONE | Other fees Service code 99 | — | $283K |
| BB&T/MCGRIFF INSURANCE SERVICES EIN 56-1623293 BROKER | Other commissions Service code 55 | — | $0 |
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 | 42,855 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 42,855 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 42,855 | $12.0M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 17,432 | $1.9M |
| Life insurance(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 20,352 | $12.9M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,217 | $2.2M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 19,651 | $1.7M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 20,352 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 42,855 | — |
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.