| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $285 | $11K | 3.19% |
| MCGRIFF INSURANCE SERVICES INC3 | 800 49TH STREET N ST. PETERSBURG, FL 33710 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $1K | $26K | 15.75% |
| MCGRIFF INSURANCE SERVICES INC3 | 800 49TH STREET N ST. PETERSBURG, FL 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $1K | $24K | 15.55% |
| MCGRIFF INSURANCE SERVICES INC3 | 800 49TH STREET N ST. PETERSBURG, FL 33710 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $925 | $19K | 15.75% |
| MCGRIFF INSURANCE SERVICES INC3 | 800 49TH STREET N ST. PETERSBURG, FL 33710 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $159 | — | $159 | 0.90% |
| VAN EPPS, JAMES, H3 Filed as: VAN EPPS, JAMES H | 10930 CRABAPPLE RD STE 206 ROSWELL, GA 30075 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $88 | — | $88 | 0.50% |
| BLOCK, CHARLES, D3 Filed as: BLOCK, CHARLES D | 648 VILLAGE PARK DR UNIT 208 WILMINGTON, NC 28405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $88 | — | $88 | 0.50% |
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 | 1,211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 427 | $916K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 907 | $340K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 427 | $916K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 867 | $278K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 867 | $123K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 185 | $163K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 867 | $296K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 907 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.