| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 550 S CALDWELL ST STE 1500 CHARLOTTE, NC 28202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $100K | $40K | $139K | 13.95% |
| THE BENEFIT COMPANY INC3 | PO BOX 23127 COLUMBIA, SC 29224 | SUN LIFE ASSURANCE COMPANY OF CANADA | $17K | — | $17K | 1.69% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 0.72% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | TRUSTMARK INSURANCE COMPANY | $15K | — | $15K | 21.90% |
| CONNECT HEALTHCARE COLLABORATION3 | 2298 YOUNG AVE #1099 MEMPHIS, TN 38104 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 6.37% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | DE-EB OPERATING ACCOUNT PO BOX 8299 PASADENA, CA 91109 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 6.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC DBA MCG | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | — | $7K | 24.94% |
| CONNECT HEALTHCARE COLLABORATION3 Filed as: CONNECT HEALTHCARE COLLABORATION, I | 249 MADISON AVE 7TH FLOOR MEMPHIS, TN 38103 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.77% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 921018156 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.02% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION SY | 101 PARK AVE 14TH FL NEW YORK, NY 10178 | TRANSAMERICA LIFE INSURANCE COMPANY | $221 | — | $221 | 0.74% |
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 | 614 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 22 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 640 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 636 | $998K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 636 | $998K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 636 | $1.1M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 636 | $998K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 636 | $998K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 636 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 636 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.