| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 2280 E. VICTORY DRIVE SAVANNAH, GA 31414 | STARMOUNT LIFE INSURANCE COMPANY | $27K | $4K | $31K | 13.11% |
| BENEFIT TECHNOLOGY RESOURCES3 | 301 W. PLATT STREET #507 TAMPA, FL 33606 | STARMOUNT LIFE INSURANCE COMPANY | $5K | — | $5K | 2.32% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 2280 E. VICTORY DR. PO BOX 4743 SAVANNAH, GA 31414 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $634 | $8K | 10.82% |
| BENEFIT TECHNOLOGY RESOURCES3 | 301 W. PLATT STREET #507 TAMPA, FL 33606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.04% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 2280 E. VICTORY DR. SAVANNAH, GA 31414 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 16.89% |
| BENEFIT TECHNOLOGY RESOURCES3 | 301 W. PLATT STREET #507 TAMPA, FL 33606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 2280 E. VICTORY DRIVE SAVANNAH, GA 31414 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $9K | 26.41% |
| BENEFIT TECHNOLOGY RESOURCES3 Filed as: BENEFIT TECHNOLOGY RESOURCES, INC. | 301 W. PLATT STREET #507 TAMPA, FL 33606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.49% |
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 | 383 | 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) | 383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 377 | $233K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 377 | $233K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 387 | $78K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 68 | $65K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 68 | $65K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 387 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 387 | — |
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.