| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | P O BOX 896620 CHARLOTTE, NC 28289 | AETNA LIFE INSURANCE COMPANY | $10K | $11K | $21K | 1.25% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS INC | EB COMMISSION P O BOX 896620 CHARLOTTE, NC 28289 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $12K | 16.50% |
| MCGRIFF INSURANCE SERVICES INC3 | P O BOX 896620 CHARLOTTE, NC 28289 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $11K | 17.77% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS INC | EB COMMISSION P O BOX 896620 CHARLOTTE, NC 28289 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $589 | $5K | 17.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS INC | 3400 OVERTON PARK DRIVE SUITE 300 ATLANTA, GA 30339 | AMERITAS LIFE INSURANCE CORP | $740 | — | $740 | 4.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 47 AIRPARK CT P O BOX 27149 GREENVILLE, SC 29616 | AMERITAS LIFE INSURANCE CORP | — | $562 | $562 | 3.04% |
| MCGRIFF INSURANCE SERVICES INC3 | P O BOX 896620 CHARLOTTE, NC 28289 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$362 | -$48 | -$410 | -5.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC EIN 56-1623293 BROKER | Insurance services; Insurance agents and brokers Service code 22 | P O BOX 896620 CHARLOTTE, NC 28289 | $74K |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 347 | $1.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 347 | $1.7M |
| Vision | AMERITAS LIFE INSURANCE CORP | 389 | $19K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $75K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $29K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 98 | $71K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.