| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT COMMUNICATIONS INC3 | 1 BURTON HILLS BLVD SUITE 300E NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $698K | — | $698K | 58.05% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 550 S CALDWELL ST SUITE 1500 CHARLOTTE, NC 28202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $197K | — | $197K | 16.36% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | STARMOUNT LIFE INSURANCE COMPANY | $53K | $15K | $68K | 9.00% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP INC | 3350 RIVERWOOD PARKWAY SUITE 80 ATLANTA, GA 30339 | STARMOUNT LIFE INSURANCE COMPANY | $23K | — | $23K | 3.00% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | RELIASTAR LIFE INSURANCE COMPANY | $10K | $17K | $26K | 8.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 3400 OVERTON PARK DRIVE SE SUITE 300 ATLANTA, GA 30339 | EYEMED VISION CARE | $18K | — | $18K | 7.27% |
| MCGRIFF INSURANCE SERVICES INC3 | EB COMMISSION P O BOX 896620 CHARLOTTE, NC 28289 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $4K | $8K | 4.00% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES MACE BENEFITS GROUP INC | 3350 RIVERWOOD PARKWAY SUITE 80 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNA AGE | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $3K | $17K | 11.00% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP INC | 3350 RIVERWOOD PARKWAY SUITE 80 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 3.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $3K | $12K | 8.00% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP INC | 3350 RIVERWOOD PARKWAY SUITE 80 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 3.00% |
| MCGRIFF INSURANCE SERVICES INC3 | EB COMMISSION P O BOX 896620 CHARLOTTE, NC 28289 | METROPOLITAN GENERAL INSURANCE COMPANY | $6K | $797 | $7K | 11.89% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: PRECEPT, A DIVISION OF MCGRIFF | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $153 | $153 | 0.28% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SIEBELS & WILLIAMS INC | 200 SOUTH ORANGE AVENUE SUITE #1350 ORLANDO, FL 32801 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $22 | $22 | 0.04% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $6 | $6 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRX HEALTH EIN 47-1226691 CLAIMS PROCESSOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing; Plan Administrator Service code 12 | — | $206K |
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 | 2,951 | 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) | 2,951 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 1,491 | $758K |
| Vision | EYEMED VISION CARE | 2,295 | $246K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,951 | $345K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 331 | $150K |
| Other(5 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 2,951 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,951 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.