| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER SUITE 1800 GREENSBORO, NC 27409 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | — | $48K | $48K | 1.08% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | COMPANION LIFE INSURANCE COMPANY | — | $5K | $5K | 13.26% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF SC | 1301 GERVAIS ST., SUITE 900 COLUMBIA, SC 29201 | COMPANION LIFE INSURANCE COMPANY | — | $2K | $2K | 6.63% |
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 | 466 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 466 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 351 | $4.4M |
| Dental | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 351 | $4.4M |
| Vision | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 351 | $4.4M |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 466 | $34K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 351 | $4.4M |
| Other | COMPANION LIFE INSURANCE COMPANY | 466 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 466 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.