| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 250 W FIRT STATE SUITE 100 WINSTON SALEM, NC 27101 | AMERICAN UNITED LIFE INSURANCE COMPANY | $8K | $9K | $17K | 20.05% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 250 W FIRST STATE SUITE 100 WINSTON SALEM, NC 27101 | AMERICAN UNITED LIFE INSURANCE COMPANY | $7K | $24K | $31K | 45.30% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 250 W FIRST STATE SUITE 100 WINSTON SALEM, NC 27101 | AMERICAN UNITED LIFE INSURANCE COMPANY | $6K | $7K | $13K | 21.65% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 250 W FIRST STATE SUITE 100 WINSTON SALEM, NC 27101 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | $300 | $2K | 11.47% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 250 W FIRST STATE SUITE 100 WINSTON SALEM, NC 27101 | AMERICAN UNITED LIFE INSURANCE COMPANY | $839 | $193 | $1K | 12.30% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 250 W FIRST STATE SUITE 100 WINSTON SALEM, NC 27101 | AMERICAN UNITED LIFE INSURANCE COMPANY | $500 | $85 | $585 | 11.70% |
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 | 1,281 | 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) | 1,281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(4 contracts) | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,281 | $103K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 469 | $85K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 540 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,281 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.