| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $61K | $8K | $70K | 10.94% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | PRINCIPAL LIFE INSURANCE COMPANY | $25K | — | $25K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 274099047 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 1.21% |
| ACRISURE LLC3 | 3580 PIERCE DR STE 100 CHAMBLEE, GA 30341 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $214 | $3K | 19.01% |
| BRETT A VIRGIN3 | PO BOX 422595 ATLANTA, GA 30342 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 18.55% |
| PINNACLE EXECUTIVE BENEFITS3 | PO BOX 422595 ATLANTA, GA 30342 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $985 | $985 | 6.94% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $176 | — | $176 | 1.35% |
| O'NEAL & HINSON INSURANCE SERVICES3 | 4951 FORSYTH ROAD MACON, GA 31210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $80 | — | $80 | 0.61% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.15% |
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 | 1,287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 2,092 | $168K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,518 | $649K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,206 | $260K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,169 | $759K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,169 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.