| 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 | $233K | $155K | $388K | 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 | $192K | $153K | $345K | 4.50% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES EB COMM | PO BOX 896620 CHARLOTTE, NC 28289 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $150K | $120K | $269K | 4.50% |
| WORKPLACE SOLUTIONS, INC.3 | 120-A GILLS CREEK PKWY COLUMBIA, SC 29209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $341K | $31K | $372K | 7.87% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES EB COMM | PO BOX 899620 CHARLOTTE, NC 28289 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $176K | $10K | $186K | 3.93% |
| SPD BENEFITS, LLC3 | PO BOX 29209 GREENSBORO, NC 27429 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $40K | $0 | $40K | 0.86% |
| BOUDREAUX, BEAU, DAVID3 | 120 GILLS CRK PKWY COLUMBIA, SC 29209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26K | $0 | $26K | 0.54% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES EB COMM | PO BOX 896620 CHARLOTTE, NC 28289 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $6K | $6K | 0.13% |
| SPRUILL, ALLENE, DAVIS3 | 5720 BAYLEAF LN GREENSBORO, NC 27455 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 0.11% |
| WORKPLACE SOLUTIONS, INC.3 | 120-A GILLS CREEK PKWY COLUMBIA, SC 29209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $422K | $61K | $484K | 13.43% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES EB COMM | PO BOX 896620 CHARLOTTE, NC 28289 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $243K | $22K | $265K | 7.36% |
| BOUDREAUX, BEAU, DAVID3 | 120 GILLS CRK PKWY COLUMBIA, SC 29209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | $0 | $33K | 0.91% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $123K | $0 | $123K | 5.84% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES EB COMM | PO BOX 896620 CHARLOTTE, NC 28289 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $38K | $50K | 2.63% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES EB COMM | PO BOX 896620 CHARLOTTE, NC 28289 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $34K | $34K | 1.77% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 292216486 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 0.13% |
| SPD BENEFITS, LLC3 | PO BOX 29209 GREENSBORO, NC 27429 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $33K | $0 | $33K | 2.53% |
| SPRUILL, ALLENE, DAVIS3 | 5720 BAYLEAF LANE GREENSBORO, NC 27455 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $0 | $8K | 0.64% |
| CARTER DAVENPORT3 | PO BOX 29209 GREENSBORO, NC 27429 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 0.17% |
| 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 | $105 | $0 | $105 | 0.01% |
| DANNY ROBERT PARKER3 | PO BOX 29209 GREENSBORO, NC 27429 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $56 | $0 | $56 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 4309 EMPEROR BLVD STE 300 DURHAM, NC 277038046 | RELIASTAR LIFE INSURANCE COMPANY | $77K | $0 | $77K | 5.96% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES EB COMM | PO BOX 896620 CHARLOTTE, NC 28289 | FIRST UNUM LIFE INSURANCE COMPANY | $12K | $4K | $16K | 8.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES EB COMM | PO BOX 896620 CHARLOTTE, NC 28289 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.81% |
| WORKPLACE SOLUTIONS, INC.3 | 120-A GILLS CREEK PKWY COLUMBIA, SC 29209 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.48% |
| BOUDREAUX, BEAU, DAVID3 | 120 GILLS CRK PKWY COLUMBIA, SC 29209 | FIRST UNUM LIFE INSURANCE COMPANY | $879 | $0 | $879 | 1.45% |
| SPD BENEFITS, LLC3 | PO BOX 29209 GREENSBORO, NC 27429 | FIRST UNUM LIFE INSURANCE COMPANY | $433 | $0 | $433 | 0.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $15.7M |
| DELTA DENTAL OF NORTH CAROLINA EIN 56-1018068 BENEFIT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $814K |
| FLORES AND ASSOCIATES EIN 56-1542307 NONE | Other fees Service code 99 | — | $335K |
| 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 | 47,085 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 47,085 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 47,085 | $13.2M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 20,188 | $2.1M |
| Life insurance(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 24,676 | $15.7M |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 13,288 | $9.8M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 16,840 | $7.8M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 22,396 | $1.3M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 24,676 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 47,085 | — |
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.