| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES - SC | 471 AIRPARK COURT GREENVILLE, SC 29607 | UNITEDHEALTHCARE INSURANCE COMPANY | $99K | — | $99K | 4.28% |
| MCGRIFF INSURANCE SERVICES INC3 | 999 SHADY GROVE-SUITE 200 MEMPHIS, TN 38119 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28K | $5K | $33K | 13.57% |
| MCGRIFF INSURANCE SERVICES INC3 | 4777 SHARON ROAD-4TH FL CHARLOTTE, NC 28210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 2.28% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | DELTA DENTAL OF MISSOURI | $15K | $283 | $15K | 13.43% |
| 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% |
| MCGRIFF INSURANCE SERVICES INC3 | 999 SHADY GROVE - SUITE 200 MEMPHIS, TN 38119 | SUNLIFE ASSURANCE COMPANY OF CANADA | $5K | $8K | $12K | 33.55% |
| MCGRIFF INSURANCE SERVICES INC3 | 4777 SHARON ROAD-4TH FL CHARLOTTE, NC 28210 | SUNLIFE ASSURANCE COMPANY OF CANADA | $463 | — | $463 | 1.28% |
| 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 | $61K |
| THE BENEFIT COMPANY, INC. NONE | Consulting (general); Participant communication; Direct payment from the plan Service code 16 | 3800 FERNANDEZ ROAD-STE 200 COLUMBIA, SC 29210 | $25K |
| BENEFITFIRST NONE | Other services; Direct payment from the plan Service code 49 | PO BOX 211486 COLUMBIA, SC 29221 | $25K |
| 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 | $13K |
| 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 | $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 | 450 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | 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) | UNITEDHEALTHCARE INSURANCE COMPANY | 524 | $2.3M |
| Dental | DELTA DENTAL OF MISSOURI | 299 | $112K |
| Vision | PHYSICIANS EYECARE PLAN | 619 | $51K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 747 | $243K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 747 | $243K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 747 | $243K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,594 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,594 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.