| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 999 SHADY GROVE SUITE 200 MEMPHIS, TN 38119 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 9.15% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 1.40% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 1909 BLUFFTON, SC 29910 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 0.99% |
| MCGRIFF INSURANCE SERVICES INC3 | 999 SHADY GROVE SUITE 200 MEMPHIS, TN 38119 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 11.42% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 1909 BLUFFTON, SC 29910 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 2.07% |
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 | 111 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECHOICE HEALTH PLAN | 87 | $2.2M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 99 | $121K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 99 | $121K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 111 | $98K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 111 | $98K |
| Prescription drug | BLUECHOICE HEALTH PLAN | 87 | $2.2M |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 111 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.