| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 8628 COLUMBIA, SC 29202 | UNION SECURITY INSURANCE COMPANY | $8K | — | $8K | 5.02% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 8628 COLUMBIA, SC 29202 | UNION SECURITY INSURANCE COMPANY | $6K | — | $6K | 3.61% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 8628 COLUMBIA, SC 29202 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 2.61% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 8628 COLUMBIA, SC 29202 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 2.45% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | UNION SECURITY INSURANCE COMPANY | — | $2K | $2K | 1.34% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | UNION SECURITY INSURANCE COMPANY | — | $2K | $2K | 1.05% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 168 WINSTONSALEM, NC 27102 | UNION SECURITY INSURANCE COMPANY | — | $1K | $1K | 0.97% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | UNION SECURITY INSURANCE COMPANY | — | $1K | $1K | 0.96% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 168 WINSTONSALEM, NC 27102 | UNION SECURITY INSURANCE COMPANY | — | $1K | $1K | 0.86% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 168 WINSTONSALEM, NC 27102 | UNION SECURITY INSURANCE COMPANY | — | $1K | $1K | 0.73% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | UNION SECURITY INSURANCE COMPANY | — | $1K | $1K | 0.65% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 168 WINSTONSALEM, NC 27102 | UNION SECURITY INSURANCE COMPANY | — | $678 | $678 | 0.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STEVEN C. BUTLER, CPA EIN 75-2515634 NONE | Accounting (including auditing) Service code 10 | 2221 JUSTIN ROAD SUITE 119-PMB351 FLOWER MOUND, TX 75028 | $19K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 NONE | Claims processing; Contract Administrator Service code 12 | 2150 EAGLE DRIVE CHARLESTON, SC 29406 | $17K |
| NEXFEN PRUET EIN 57-0386425 NONE | Consulting (general) Service code 16 | 205 KING STREET SUITE 400 CHARLESTON, SC 29401 | $6K |
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 | 444 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 444 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNION SECURITY INSURANCE COMPANY | 649 | $155K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 649 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 649 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.