| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | P O BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE CO | — | $58K | $58K | 8.91% |
| THE CASON GROUP INC3 | 1612 MARION ST COLUMBIA, SC 29201 | CIGNA HEALTH AND LIFE INSURANCE CO | — | $20K | $20K | 3.04% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | P O BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $330 | $3K | 5.46% |
| THE CASON GROUP INC3 | 1612 MARION STREET 04202023TD COLUMBIA, SC 29201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 4.93% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 12.78% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | P O BOX 11229 COLUMBIA, SC 29206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 5.00% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | P O BOX 11229 COLUMBIA, SC 29206 | UNUM LIFE INSURANCE CO OF AMERICA | — | $2K | $2K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 7701 AIRPORT CENTER DRIVE SUUITE 1800 GREENSBORO, NC 27409 | UNUM LIFE INSURANCE CO OF AMERICA | — | $708 | $708 | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS ADMIN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing; Plan Administrator Service code 12 | — | $58K |
| MCGRIFF INSURANCE SERVICES BROKER | Insurance services; Insurance agents and brokers Service code 22 | P O BOX 896620 CHARLOTTE, NC 28289 | $2K |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE CO | 149 | $717K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 107 | $62K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE CO | 149 | $717K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $90K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $55K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $55K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.