| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $31K | $37K | $69K | 1.75% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR STE 210 GREENSBORO, NC 274099047 | PRINCIPAL LIFE INSURANCE COMPANY | $84K | — | $84K | 13.96% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | PRINCIPAL LIFE INSURANCE COMPANY | — | $22K | $22K | 3.68% |
| MCGRIFF INSURANCE SERVICES INC3 | 3150 S MAIN ST HARRISONBURG, VA 228012670 | PRINCIPAL LIFE INSURANCE COMPANY | — | $6K | $6K | 0.98% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 12.71% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE SUITE 1800 CHARLOTTE, NC 274099047 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 8.96% |
| MCGRIFF INSURANCE SERVICES INC3 | 550 S CALDWELL ST STE 1500 STE 1500 CHARLOTTE, NC 282023313 | AMERITAS LIFE INSURANCE GROUP | $7K | — | $7K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 47 AIRPARK CT PO BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE GROUP | — | $2K | $2K | 3.33% |
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 | 588 | 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) | 588 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 584 | $3.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 584 | $3.9M |
| Vision | AMERITAS LIFE INSURANCE GROUP | 787 | $70K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 863 | $599K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 863 | $599K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 863 | $599K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 863 | $679K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 863 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.