| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 27149 GREENVILLE, SC 29616 | BLUE CROSS/BLUE SHIELD OF SOUTH CAROLINA | $72K | — | $72K | 2.06% |
| MCGRIFF INSURANCE SERVICES INC3 | 2000 CENTER OINT RD STE 2400 COLUMBIA, SC 29210 | SUN LIFE FINANCIAL | $39K | $6K | $45K | 16.01% |
| MCGRIFF INSURANCE SERVICES INC3 | 2000 CENTER POINT RD STE 2400 COLUMBIA, SC 29210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $25K | $3K | $28K | 12.80% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | DELTA DENTAL OF MISSOURI | $10K | — | $10K | 11.22% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 2000 CENTER POINT ROAD STE 2400 COLUMBIA, SC 29210 | PHYSICIANS EYECARE PLAN | $5K | — | $5K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF MISSOURI EIN 43-0908349 NONE | Contract Administrator; Claims processing Service code 12 | PO BOX 8690 ST LOUIS, MO 63127 | $16K |
| STEVEN C BUTLER CPA EIN 75-2515634 NONE | Accounting (including auditing) Service code 10 | 2221 JUSTIN RD STE 119- PMB 351 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 | 444 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 449 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS/BLUE SHIELD OF SOUTH CAROLINA | 444 | $3.5M |
| Dental | DELTA DENTAL OF MISSOURI | 296 | $93K |
| Short-term disability | SUN LIFE FINANCIAL | 398 | $283K |
| Other | UNITED BEHAVIORAL HEALTH DBA OPTUM | 1,435 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,435 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.