| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | POST OFFICE BOX 27149 GREENVILLE, SC 29616 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $33K | — | $33K | 2.16% |
| GIBSON & ASSOCIATES INCORPORATED3 | 7139 BROAD RIVER ROAD COLUMBIA, SC 29063 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $14K | — | $14K | 0.88% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | — | $22K | 8.34% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON & ASSOCIATES, INC. | 7139 BROAD RIVER ROAD IRMO, SC 29063 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 1.69% |
| MCGRIFF INSURANCE SERVICES INC3 | 2000 CENTER POINT ROAD SUITE 2400 COLUMBIA, SC 29210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 5.61% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON & ASSOCIATES, INC. | 7139 BROAD RIVER ROAD SUITE 100 IRMO, SC 29063 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 2.53% |
| DAVID D CERVA3 Filed as: DAVID J VANDEWATER | 1901 BULL STREET COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 1.87% |
| MCGRIFF INSURANCE SERVICES INC3 | 43 SOUTH BROAD STREET SUITE B WINDER, GA 30680 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 1.52% |
| 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 | 8.69% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 7.83% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE | — | PHYSICIANS EYECARE PLAN | $1K | — | $1K | 7.54% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON & ASSOCIATES | — | PHYSICIANS EYECARE PLAN | $368 | — | $368 | 2.45% |
| 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 | 8.39% |
| THE BENEFIT COMPANY INC3 | P O BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $876 | — | $876 | 7.16% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29229 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.21% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS INC | 3605 GLENWOOD AVENUE SUITE 190 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $74 | — | $74 | 18.00% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $70 | — | $70 | 17.03% |
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 | 166 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 148 | $1.5M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 120 | $114K |
| Vision | PHYSICIANS EYECARE PLAN | 116 | $15K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2 | $268K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2 | $268K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2 | $268K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 148 | $1.5M |
| Other(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 53 | $300K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.