| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | DELTA DENTAL OF MISSOURI | $3K | $241 | $3K | 10.42% |
| MICHELLE B. JAIN3 | 4 RIVERSIDE DR GREENVILLE, SC 29605 | AFLAC | $2K | — | $2K | 15.90% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCES SERVICES, INC | 47 AIRPARK CT GREENVILLE, SC 29607 | AFLAC | $2K | — | $2K | 10.72% |
| KERRY COLVIN3 | 501 ROYAL DUTCH LN SIMPSONVILLE, SC 29681 | AFLAC | $788 | — | $788 | 5.58% |
| JUSTIN M GUIDI3 | 301 ROPER CREEK DR GREENVILLE, SC 29615 | AFLAC | $537 | — | $537 | 3.80% |
| DANNY DANIELS3 Filed as: DANNY R DANIELS | 1931 SHARON RD WOODRUFF, SC 29388 | AFLAC | $83 | — | $83 | 0.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: STEVE DOUGLAS BROWN | 111 SUGAR CREEK RD GREER, SC 29650 | AFLAC | $32 | — | $32 | 0.23% |
| BRANDON S FLEMING3 | 7783 NW LORRAINE DR PIEDMONT, OK 73078 | AFLAC | $23 | — | $23 | 0.16% |
| JONI DANIELS3 Filed as: JONI L DANIELS | 1931 SHARON RD WOODRUFF, SC 29388 | AFLAC | $20 | — | $20 | 0.14% |
| ASSURED BENEFITS INC3 | PO BOX 26207 GREENVILLE, SC 29616 | AFLAC | $17 | — | $17 | 0.12% |
| IRVING BRANHAM3 Filed as: IRVING W BRANHAM | PO BOX 111 CAMDEN, SC 29021 | AFLAC | $14 | — | $14 | 0.10% |
| JANET S BATES3 Filed as: JANET STEGALL BATES | 12008 HARMON LN PINEVILLE, NC 28134 | AFLAC | $9 | — | $9 | 0.06% |
| THADDEUS D BECK3 | 3720 BOILING SPRINGS RD STE F BOILING SPRINGS, SC 29316 | AFLAC | $6 | — | $6 | 0.04% |
| MARK P ENSLEY3 | 317 WEATHERSTONE LN SIMPSONVILLE, SC 29680 | AFLAC | $5 | — | $5 | 0.04% |
| FRED E ENSLEY3 | 3714 GRANDVIEW DRIVE SIMPSONVILLE, SC 29680 | AFLAC | $4 | — | $4 | 0.03% |
| TRULUCK & ASSOCIATES INC3 | 1934 PANTHEON DR WINTER GARDEN, FL 34787 | AFLAC | $2 | — | $2 | 0.01% |
| C HARVEY KING3 | 931 S MAIN ST STE B #206 KERNERSVILLE, NC 27284 | AFLAC | $1 | — | $1 | 0.01% |
| PATRICIA A PARK3 Filed as: PATRICIA PARK | 18 SHEILA GAIL LN ROSSVILLE, GA 30741 | AFLAC | $1 | — | $1 | 0.01% |
| DEBORAH B SMITH3 Filed as: DEBORAH B. SMITH | 5703 BRYNWOOD CIR NW ACWORTH, GA 30101 | AFLAC | $1 | — | $1 | 0.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 27149 GREENVILLE, SC 29616 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 300 SUMMERS ST STE 650 CHARLESTON, WV 25301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $814 | $814 | 6.57% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 27149 GREENVILLE, SC 29616 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $718 | — | $718 | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 300 SUMMERS ST STE 650 CHARLESTON, WV 25301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $527 | $527 | 7.34% |
| MCGRIFF INSURANCE SERVICES INC2 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 27149 GREENVILLE, SC 29616 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $914 | — | $914 | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 300 SUMMERS ST STE 650 CHARLESTON, WV 25301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $432 | $432 | 7.09% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 47 AIRPARK CT PO BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP. | $444 | $125 | $569 | 12.83% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 27149 GREENVILLE, SC 29616 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $232 | — | $232 | 9.99% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 300 SUMMERS ST STE 650 CHARLESTON, WV 25301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $164 | $164 | 7.06% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 70 | $30K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 85 | $4K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 59 | $8K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 22 | $7K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 59 | $12K |
| Other(3 contracts, 2 carriers) | AFLAC | 59 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 85 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.