| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 47 AIRPARK CT GREENVILLE, SC 29607 | UNITED HEALTHCARE INSURANCE COMPANY | $109K | — | $109K | 3.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 214 N TRYON ST, FL 46 CHARLOTTE, NC 28202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $36K | $5K | $41K | 16.87% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | DELTA DENTAL OF MISSOURI | $13K | — | $13K | 9.83% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 214 N TRYON ST, FL 46 CHARLOTTE, NC 28202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $934 | $8K | 17.90% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 2000 CENTER POINT ROAD, STE 2400 COLUMBIA, SC 29210 | PHYSICIANS EYECARE PLAN | — | $5K | $5K | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GSA NATIONAL PLAN ADMINISTRATORS EIN 45-2712335 NONE | Plan Administrator; Direct payment from the plan Service code 14 | 4114 LEGATO ROAD, SUITE 400 FAIRFAX, VA 22033 | $66K |
| BENEFITFIRST NONE | Other services; Direct payment from the plan Service code 49 | PO BOX 211486 COLUMBIA, SC 29221 | $36K |
| 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 | 452 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | 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) | UNITED HEALTHCARE INSURANCE COMPANY | 518 | $3.6M |
| Dental | DELTA DENTAL OF MISSOURI | 374 | $133K |
| Vision | PHYSICIANS EYECARE PLAN | 553 | $46K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,125 | $245K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,125 | $245K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,125 | $245K |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,284 | $316K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,284 | — |
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.