| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 274099047 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $31K | $31K | 2.59% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 7391 HODGSON MEMORIAL DRIVE SUITE 100 SAVANNAH, GA 31406 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $3K | $6K | 7.77% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 8.37% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 12.96% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $976 | — | $976 | 5.98% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| ERIC A RITTER3 Filed as: ERIC A. RITTER | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $144 | — | $144 | 2.29% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES INC | P O BOX 1276 SHALLOTTE, NC 28459 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $114 | — | $114 | 1.82% |
| ANDY C. HESTER3 | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $111 | — | $111 | 1.77% |
| DAVID R. CONNOR3 | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $51 | — | $51 | 0.81% |
| ANN MARIE COOPER3 | 101 LANIER LANDING CT CAROLINA BEACH, NC 28428 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 0.37% |
| STEPHANIE PRICE3 | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.19% |
| MCGRIFF INSURANCE SERVICES INC4 Filed as: MCGRIFF INSURANCE SERVICES, INC | 2000 CENTER POINT RD SUITE 2400 COLUMBIA, SC 292105824 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $286 | — | $286 | 9.74% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 146 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 87 | $82K |
| Vision | VISION SERVICE PLAN | 69 | $16K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 113 | $53K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 66 | $13K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 113 | $25K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 113 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.