| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | P.O. BOX 168 WINSTON SALEM, NC 27102 | SUNLIFE ASSURANCE COMPANY OF CANADA | $33K | — | $33K | 7.67% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3150 S. MAIN STREET HARRISONBURG, VA 22801 | SUNLIFE ASSURANCE COMPANY OF CANADA | $26K | $0 | $26K | 6.07% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3201 BEECHLEAF COURT SUITE 200 RALEIGH, NC 27604 | SUNLIFE ASSURANCE COMPANY OF CANADA | $14K | — | $14K | 3.21% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | P.O. BOX 168 WINSTON SALEM, NC 27102 | AMERITAS LIFE INSURANCE CORPORATION | $16K | — | $16K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | P.O. BOX 27149 GREENVILLE, NC 29616 | AMERITAS LIFE INSURANCE CORPORATION | — | $6K | $6K | 1.95% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | P.O. BOX 168 WINSTON SALEM, NC 27102 | SUNLIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 13.53% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 1010 NORTH CHERRY STREET SUITE 500 WINSTON SALEM, NC 27101 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 9.83% |
| CRUMP LIFE INSURANCE SERVICES3 | 280 S. 400 W., SUITE 100 SALT LAKE CITY, UT 84101 | PETERSON INTERNATIONAL UNDERWRITERS | $11K | — | $11K | — |
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 | 373 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 393 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 844 | $321K |
| Life insurance | SUNLIFE ASSURANCE COMPANY OF CANADA | 373 | $429K |
| Short-term disability(2 contracts) | SUNLIFE ASSURANCE COMPANY OF CANADA | 373 | $477K |
| Long-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 373 | $429K |
| Other(4 contracts, 3 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 373 | $515K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 844 | — |
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.