| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES, INCORPORAT | PO BOX 27149 GREENVILLE, SC 29616 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $38K | — | $38K | 2.52% |
| DAVID D CERVA3 Filed as: DAVID J VANDEWATER | 1901 BULL STREET COLUMBIA, SC 29201 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $13K | — | $13K | 0.85% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | — | $13K | 5.46% |
| MGIS3 | 111 SOUTH MAIN STREET SUITE 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $15 | $10K | 4.02% |
| BB&T OF COLUMBIA3 | PO BOX 8628 COLUMBIA, SC 29202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 0.52% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 8628 COLUMBIA, SC 29202 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 3.75% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 168 WINSON-SALEM, NC 27102 | UNION SECURITY INSURANCE COMPANY | — | $2K | $2K | 2.12% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | UNION SECURITY INSURANCE COMPANY | — | $2K | $2K | 2.00% |
| DAVID D CERVA3 Filed as: DAVID J VAN DEWATER | 1901 BULL STREET COLUMBIA, SC 29201 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 1.25% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS INC | 3605 GLENWOOD AVENUE SUITE 190 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.87% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $914 | — | $914 | 2.89% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS INC | 3605 GLENWOOD AVENUE SUITE 190 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 9.87% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 7.56% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE | — | PHYSICIANS EYECARE PLAN | $1K | — | $1K | 7.43% |
| BB&T3 | — | PHYSICIANS EYECARE PLAN | $376 | — | $376 | 2.57% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS INC | 3605 GLENWOOD AVENUE SUITE 190 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 5.83% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 4.04% |
No Schedule C service providers reported on this filing.
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 152 | $1.5M |
| Dental | UNION SECURITY INSURANCE COMPANY | 123 | $117K |
| Vision | PHYSICIANS EYECARE PLAN | 110 | $15K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 4 | $241K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 4 | $241K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 4 | $241K |
| Other(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 70 | $293K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.