| 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 | $47K | $7K | $53K | 14.31% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 101 N CHERRY STREET SUITE 500 WINSTON SALEM, NC 27102 | AMERITAS LIFE INSURANCE CORPORATION | $13K | — | $13K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | P.O. BOX 27149 GREENVILLE, SC 29616 | AMERITAS LIFE INSURANCE CORPORATION | — | $6K | $6K | 2.23% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | P.O. BOX 168 WINSTON SALEM, NC 27102 | SUNLIFE ASSURANCE COMPANY OF CANADA | $8K | $916 | $8K | 19.22% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| CRUMP LIFE INSURANCE SERVICES3 | 280 S. 400 W., SUITE 100 SALT LAKE CITY, UT 84101 | PETERSON INTERNATIONAL UNDERWRITERS | $10K | $2K | $11K | 33.33% |
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 | 373 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 28 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 796 | $268K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 278 | $38K |
| Life insurance | SUNLIFE ASSURANCE COMPANY OF CANADA | 378 | $373K |
| Short-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 378 | $373K |
| Long-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 378 | $373K |
| Other(3 contracts, 2 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 378 | $451K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 796 | — |
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.