| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 3201 BEECHLEAF CT STE 200 RALEIGH, NC 27604 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.00% |
| STRATEGIC BENEFITS3 Filed as: STRATEGIC BENEFITS INC | 250 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 6.75% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | 3800 FERNANDINA RD SUITE 200 COLUMBIA, SC 29210 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 2.70% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.69% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | 3800 FERNANDINA RD SUITE 200 COLUMBIA, SC 29210 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 2.68% |
| LARRY TRAVIS SMITH3 | 47 AIRPARK CT GREENVILLE, SC 29607 | NATIONAL GUARDIAN LIFE INSURANCE | $2K | — | $2K | 10.03% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 6.80% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | 3800 FERNANDINA RD SUITE 200 COLUMBIA, SC 29210 | STANDARD INSURANCE COMPANY | — | $523 | $523 | 2.72% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 126 | $81K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE | 247 | $23K |
| Life insurance | STANDARD INSURANCE COMPANY | 188 | $63K |
| Short-term disability | STANDARD INSURANCE COMPANY | 75 | $19K |
| Long-term disability | STANDARD INSURANCE COMPANY | 188 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.