| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 27149 GREENVILLE, SC 29616 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $2K | $15K | $17K | 0.45% |
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF INSURANCE SERVICES, INC | 3605 GLENWOOD AVE SUITE 201 RALEIGH, NC 27612 | GUARDIAN INSURANCE | $42K | $13K | $55K | 25.15% |
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 | 218 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN INSURANCE | 218 | $219K |
| Life insurance | GUARDIAN INSURANCE | 218 | $219K |
| Long-term disability | GUARDIAN INSURANCE | 218 | $219K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 164 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.