| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 999 SHADY GROVE RD STE 200 MEMPHIS, TN 38119 | SUN LIFE ASSURANCE COMPANY OF CANADA | $288 | $0 | $288 | 3.15% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | 1612 MARION ST COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $103 | $0 | $103 | 1.13% |
| THE CARSON GROUP INC3 Filed as: THE CARSON GROUP | 1612 MARION ST FOURTH FL COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $80 | $0 | $80 | 0.87% |
| THE CARSON GROUP INC3 Filed as: THE CARSON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $304 | $0 | $304 | 18.12% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28217 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $303 | $0 | $303 | 18.06% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $275 | $0 | $275 | 16.64% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28217 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $273 | $0 | $273 | 16.52% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $262 | $0 | $262 | 19.55% |
| MCGRIFF INSURANCE SERVICES INC0 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28217 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $0 | $0 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28217 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $84 | $0 | $84 | 32.56% |
| THE CARSON GROUP INC3 Filed as: THE CARSON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $84 | $0 | $84 | 32.56% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28217 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | $0 | $3 | 1.25% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | $0 | $3 | 1.25% |
| THE CARSON GROUP INC0 Filed as: THE CARSON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE | $34 | $0 | $34 | 19.88% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28217 | AMERICAN HERITAGE | $33 | $0 | $33 | 19.30% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $0 |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $0 |
| Other(7 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 59 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 59 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.