| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES EB COMM | PO BOX 896620 CHARLOTTE, NC 28289 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $227K | $151K | $378K | 5.00% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 292216486 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $206K | $0 | $206K | 2.73% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES EB COMM | PO BOX 896620 CHARLOTTE, NC 28289 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $175K | $140K | $315K | 4.50% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 292216486 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $161K | $0 | $161K | 2.30% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES EB COMM | PO BOX 896620 CHARLOTTE, NC 28289 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $145K | $116K | $261K | 4.50% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 292216486 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $194K | $0 | $194K | 3.35% |
| WORKPLACE SOLUTIONS, INC.3 | 120-A GILLS CREEK PKWY COLUMBIA, SC 29209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $404K | $42K | $446K | 10.97% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES EB COMM | PO BOX 896620 CHARLOTTE, NC 28289 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $224K | $14K | $238K | 5.86% |
| SPD BENEFITS, LLC3 | PO BOX 29209 GREENSBORO, NC 27429 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $41K | $0 | $41K | 1.00% |
| BOUDREAUX, BEAU, DAVID3 | 120 GILLS CRK PKWY COLUMBIA, SC 29209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $28K | $0 | $28K | 0.70% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES EB COMM | PO BOX 896620 CHARLOTTE, NC 28289 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $9K | $9K | 0.22% |
| SPRUILL, ALLENE, DAVIS3 | 5720 BAYLEAF LN GREENSBORO, NC 27455 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 0.13% |
| WORKPLACE SOLUTIONS, INC.3 | 120-A GILLS CREEK PKWY COLUMBIA, SC 29209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $274K | $39K | $313K | 10.35% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES EB COMM | PO BOX 896620 CHARLOTTE, NC 28289 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $175K | $13K | $188K | 6.20% |
| BOUDREAUX, BEAU, DAVID3 | 120 GILLS CRK PKWY COLUMBIA, SC 29209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $0 | $21K | 0.70% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 250 W 1ST ST STE 100 WINSTON-SALEM, NC 27101 | RELIASTAR LIFE INSURANCE COMPANY | $92K | $0 | $92K | 4.74% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES EB COMM | PO BOX 896620 CHARLOTTE, NC 28289 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $95K | $0 | $95K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES EB COMM | PO BOX 896620 CHARLOTTE, NC 28289 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $84K | $34K | $118K | 7.00% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 292216486 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $76K | $0 | $76K | 4.50% |
| SPD BENEFITS, LLC3 | PO BOX 29209 GREENSBORO, NC 27429 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $30K | $0 | $30K | 2.81% |
| SPRUILL, ALLENE, DAVIS3 | 5720 BAYLEAF LANE GREENSBORO, NC 27455 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 0.66% |
| 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% |
| 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 | $102 | $0 | $102 | 0.01% |
| DANNY ROBERT PARKER3 | PO BOX 29209 GREENSBORO, NC 27429 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $65 | $0 | $65 | 0.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES EB COMM | PO BOX 896620 CHARLOTTE, NC 28289 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | $3K | $13K | 8.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES EB COMM | PO BOX 896620 CHARLOTTE, NC 28289 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.86% |
| WORKPLACE SOLUTIONS, INC.3 | 120-A GILLS CREEK PKWY COLUMBIA, SC 29209 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.65% |
| BOUDREAUX, BEAU, DAVID3 | 120 GILLS CRK PKWY COLUMBIA, SC 29209 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.87% |
| SPD BENEFITS, LLC3 | PO BOX 29209 GREENSBORO, NC 27429 | FIRST UNUM LIFE INSURANCE COMPANY | $413 | $0 | $413 | 0.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $13.5M |
| DELTA DENTAL OF NORTH CAROLINA EIN 56-1018068 BENEFIT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $721K |
| FLORES AND ASSOCIATES EIN 56-1542307 NONE | Other fees Service code 99 | — | $302K |
| 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 | 45,826 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 45,826 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 45,826 | $12.0M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 19,058 | $1.9M |
| Life insurance(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 22,225 | $13.9M |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 13,127 | $9.0M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 18,005 | $7.6M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 21,431 | $1.9M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 22,225 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 45,826 | — |
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.