| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | POST OFFICE BOX 27149 GREENVILLE, SC 29616 | BLUE CROSS/BLUE SHIELD OF SOUTH CAROLINA | $62K | — | $62K | 1.96% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 2000 CENTER POINT ROAD SUITE 2400 COLUMBIA, SC 29210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 2.25% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 2000 CENTER POINT ROAD SUITE 2400 COLUMBIA, SC 29210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 1.30% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 2000 CENTER POINT ROAD SUITE 2400 COLUMBIA, SC 29210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 1.26% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 2000 CENTER POINT ROAD SUITE 2400 COLUMBIA, SC 29210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 1.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 43 S. BROAD STREET SUITE B WINDER, GA 30680 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 0.34% |
| RUTHERFORD FINANCIAL SERVICES INC.3 Filed as: MCGRIF INSURANCE SERVICES, INC. | 43 S. BROAD STREET SUITE B WINDER, GA 30680 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 0.33% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 43 S. BROAD STREET SUITE B WINDER, GA 30680 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $1K | $1K | 0.25% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 43 S. BROAD STREET SUITE B WINDER, GA 30680 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $829 | $829 | 0.17% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 2000 CENTER POINT ROAD SUITE 2400 COLUMBIA, SC 29210 | PHYSICIANS EYECARE PLAN | — | $6K | $6K | 11.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF MISSOURI EIN 43-0908349 NONE | Contract Administrator; Claims processing Service code 12 | 2150 EAGLE DRIVE CHARLESTON, SC 29406 | $18K |
| STEVEN C. BUTLER, C.P.A. EIN 75-2515634 NONE | Accounting (including auditing) Service code 10 | 2221 JUSTIN ROAD SUITE 119-PMB351 FLOWER MOUND, TX 75028 | $9K |
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 | 441 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED BEHAVIORAL HEALTH DBA OPTUM | 1,471 | $26K |
| Short-term disability | UNITED BEHAVIORAL HEALTH DBA OPTUM | 1,471 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,471 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.