| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $67K | $77K | 3.42% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $13K | $16K | 0.70% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $5K | $5K | 0.20% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 850 CONCOURSE PKWY S STE 200 MAITLAND, FL 32751 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 2.90% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $673 | $505 | $1K | 0.42% |
| CHARLES COOK3 | 333 S. GARLAND AVE ORLANDO, FL 32804 | CAPITAL HEALTH PLAN | $5K | — | $5K | 2.47% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 89662 CHARLOTTE, NC 28289 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $219 | $3K | 5.25% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 414 GALLIMORE DAIRY RD SUITE F GREENSBORO, NC 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $87 | $1K | 2.49% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 850 CONCOURSE PKWY S STE 200 MAITLAND, FL 32751 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 11.25% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $432 | — | $432 | 3.75% |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 215 | $2.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 215 | $2.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 215 | $2.2M |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 215 | $2.3M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 117 | $50K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 208 | $280K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 22 | $226K |
| Other(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 117 | $287K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.