| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 214 N TRYON ST, FL 46 CHARLOTTE, NC 28202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $35K | $7K | $42K | 13.77% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 214 N TRYON ST, FL 46 CHARLOTTE, NC 28202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $27K | $8K | $35K | 15.04% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | PO BOX 896620 CHARLOTTE, NC 28299 | COMMUNITY EYE CARE | $5K | — | $5K | 8.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | PO BOX 896620 CHARLOTTE, NC 28289 | COMMUNITY EYE CARE | $749 | — | $749 | 1.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GSA NATIONAL PLAN ADMINISTRATORS EIN 45-2712335 NONE | Direct payment from the plan; Plan Administrator Service code 14 | 4114 LEGATO ROAD, SUITE 400 FAIRFAX, VA 22033 | $56K |
| ELLIOTT DAVIS ADVISORY, LLC NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 355 S MAIN ST SUITE 500 GREENVILLE, SC 29601 | $20K |
| WENDELL R. GRAHAM NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 3900 GRAPEVINE MILLS PARKWAY GRAPEVINE, TX 79051 | $15K |
| ISOLVED NONE | Plan Administrator; Direct payment from the plan Service code 14 | 11215 N. COMMUNITY HOUSE RD. SUITE CHARLOTTE, NC 28277 | $8K |
| BANK OF AMERICA NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | 7240 RIVERS AVENUE NORTH CHARLESTON, SC 29406 | $8K |
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 | 452 | 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) | 452 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECHOICE HEALTHPLAN | 229 | $4.0M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 548 | $302K |
| Vision | COMMUNITY EYE CARE | 684 | $57K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,152 | $235K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,152 | $235K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,152 | $235K |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,152 | $537K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,152 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.