| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 2000 CENTER POINT ROAD - SUITE 2400 COLUMBIA, SC 29210 | UNITEDHEALTHCARE INSURANCE COMPANY | $96K | — | $96K | 2.93% |
| BB&T INSURANCE SERVICES, INC.3 | 7701 AIRPORT CENTER DRIVE-STE 1800 GREENSBORO, NC 27409 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $10K | $10K | 0.31% |
| MCGRIFF INSURANCE SERVICES INC3 | 4777 SHARON ROAD - 4TH FLOOR CHARLOTTE, NC 28210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $44K | — | $44K | 16.25% |
| MCGRIFF INSURANCE SERVICES INC3 | 4777 SHARON ROAD - 4TH FLOOR CHARLOTTE, NC 28210 | SUNLIFE ASSURANCE COMPANY OF CANADA | $33K | — | $33K | 14.70% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | DELTA DENTAL OF MISSOURI | $11K | $749 | $12K | 10.66% |
| 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 |
|---|---|---|---|
| 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 | $60K |
| BENEFITFIRST NONE | Other services; Direct payment from the plan Service code 49 | PO BOX 211486 COLUMBIA, SC 29221 | $22K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | PO BOX 8690 ST LOUIS, MO 63127 | $16K |
| PROBENEFITS, LLC NONE | Direct payment from the plan; Plan Administrator Service code 14 | 2634 REYNOLDA ROAD WINSTON-SALEM, NC 27106 | $14K |
| PHILLIP C. MAY PC EIN 75-2515634 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | PO BOX 110447 CARROLLTON, TX 75011 | $11K |
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 | 457 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 461 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 523 | $3.5M |
| Dental | DELTA DENTAL OF MISSOURI | 319 | $112K |
| Vision | PHYSICIANS EYECARE PLAN | 619 | $50K |
| Life insurance | SUNLIFE ASSURANCE COMPANY OF CANADA | 718 | $227K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 718 | $495K |
| Long-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 718 | $227K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,505 | $517K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,505 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.