| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF - SAVANNAH | 7391 HODGSON MEMORIAL DR STE 100 SAVANNAH, GA 314062565 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $64K | $66K | 3.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 7391 HODGSON MEMORIAL DRIVE STE 100 SAVANNAH, GA 314062565 | UNITEDHEALTHCARE INSURANCE COMPANY | -$13 | $62K | $62K | 2.86% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 550 S CALDWELL ST STE 1500 WATKINSVILLE, GA 30677 | SUN LIFE ASSURANCE COMPANY OF CANADA | $23K | — | $23K | 8.00% |
| MGIS3 | 95 S STATE STREET SUITE 650 SALT LAKE CITY, UT 841111630 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $450 | $450 | 0.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AG | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | STARMOUNT LIFE INSURANCE COMPANY | $10K | $4K | $15K | 17.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AG | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $836 | $4K | 17.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AG | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $453 | $2K | 18.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AG | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | UNUM INSURANCE COMPANY | $1K | $361 | $2K | 17.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AG | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | UNUM INSURANCE COMPANY | $788 | $259 | $1K | 14.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AG | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | UNUM INSURANCE COMPANY | $597 | $202 | $799 | 12.45% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 2 | $2.2M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2 | $2.3M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2 | $2.3M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 165 | $31K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 160 | $286K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 160 | $286K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 165 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.