| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES GEB COMM | PO BOX 89662 CHARLOTTE, NC 282896620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $195K | $130K | $325K | 5.00% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 292216486 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $195K | $0 | $195K | 3.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES GEB COMM | PO BOX 89662 CHARLOTTE, NC 282896620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $161K | $129K | $290K | 4.50% |
| THE BENEFIT COMPANY INC4 | PO BOX 211486 COLUMBIA, SC 292216486 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $161K | $0 | $161K | 2.50% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES GEB COMM | PO BOX 89662 CHARLOTTE, NC 282896620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $148K | $118K | $266K | 4.50% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 292216486 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $207K | $0 | $207K | 3.50% |
| WORKPLACE SOLUTIONS, INC.3 | 120-A GILLS CREEK PKWY COLUMBIA, SC 29209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $581K | $58K | $640K | 15.08% |
| 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 | $296K | $17K | $313K | 7.39% |
| SPD BENEFITS, LLC3 | PO BOX 29209 GREENSBORO, NC 27429 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $54K | $0 | $54K | 1.27% |
| BOUDREAUX, BEAU, DAVID3 | 120 GILLS CRK PKWY COLUMBIA, SC 29209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $39K | $0 | $39K | 0.93% |
| 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 | $12K | $12K | 0.29% |
| SPRUILL, ALLENE, DAVIS3 | 5720 BAYLEAF LN GREENSBORO, NC 27455 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 0.16% |
| WORKPLACE SOLUTIONS, INC.3 | 120-A GILLS CREEK PKWY COLUMBIA, SC 29209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $383K | $58K | $440K | 15.80% |
| 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 | $262K | $21K | $282K | 10.14% |
| BOUDREAUX, BEAU, DAVID3 | 120 GILLS CRK PKWY COLUMBIA, SC 29209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36K | $0 | $36K | 1.28% |
| MCGRIFF INSURANCE SERVICES INC5 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3318 W FRIENDLY AVE, SUITE 400 GREENSBORO, NC 27410 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $93K | $0 | $93K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 250 W 1ST ST STE 100 WINSTON-SALEM, NC 27101 | RELIASTAR LIFE INSURANCE COMPANY | $75K | $0 | $75K | 4.11% |
| SPD BENEFITS, LLC3 | PO BOX 29209 GREENSBORO, NC 27429 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $37K | $0 | $37K | 2.87% |
| SPRUILL, ALLENE, DAVIS3 | 5720 BAYLEAF LANE GREENSBORO, NC 27455 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $0 | $8K | 0.65% |
| CARTER DAVENPORT3 | PO BOX 29209 GREENSBORO, NC 27429 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 0.18% |
| 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% |
| DANNY ROBERT PARKER3 | PO BOX 29209 GREENSBORO, NC 27429 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $129 | $0 | $129 | 0.01% |
| 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 | $124 | $0 | $124 | 0.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES GEB COMM | PO BOX 89662 CHARLOTTE, NC 282896620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $55K | $22K | $77K | 7.00% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 292216486 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $50K | $0 | $50K | 4.50% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES GEB COMM | PO BOX 89662 CHARLOTTE, NC 282896620 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $2K | $6K | 8.00% |
| WORKPLACE SOLUTIONS, INC.3 | 120-A GILLS CREEK PKWY COLUMBIA, SC 29209 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | $0 | $8K | 13.45% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 3318 W FRIENDLY AVE, SUITE 400 GREENSBORO, NC 27410 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.72% |
| BOUDREAUX, BEAU, DAVID3 | 120 GILLS CRK PKWY COLUMBIA, SC 29209 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.47% |
| SPD BENEFITS, LLC3 | PO BOX 29209 GREENSBORO, NC 27429 | FIRST UNUM LIFE INSURANCE COMPANY | $581 | $0 | $581 | 0.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $12.0M |
| FLORES AND ASSOCIATES EIN 56-1542307 NONE | Other fees Service code 99 | — | $312K |
| 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 | 41,336 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 41,336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 41,336 | $10.4M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 16,615 | $1.9M |
| Life insurance(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 18,860 | $13.1M |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 12,440 | $8.8M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 16,815 | $6.5M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 18,602 | $1.8M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 18,860 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 41,336 | — |
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.