| 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 | $409K | $38K | $447K | 10.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | SUN LIFE ASSURANCE COMPANY OF CANADA | $121K | — | $121K | 2.77% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 50 S CALDWELL ST STE 1500 CHARLOTTE, NC 28202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $177K | $22K | $199K | 18.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DR, STE 1800 GREENSBORO, NC 27409 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | — | $19K | 1.77% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $5K | $42K | 7.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF A MARSH & MCLENNAN AGENCY | PO BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $53 | $19K | 3.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | — | $188 | $188 | 0.03% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | $5K | $40K | 7.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF A MARSH & MCLENNAN AGENCY | PO BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $50 | $18K | 3.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.33% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | — | $177 | $177 | 0.03% |
| BARNETT BENEFITS LLC3 | 7906 PLAYERS FOREST DR STE 1 MEMPHIS, TN 38119 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 605 CHESTNUT ST STE 500 CHATTANOOGA, TX 37250 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.02% |
| RICHARD W SPENCER CLU & ASSOCIATES3 | 200 MANUFACTURES RD APT 517 CHATTANOOGA, TN 37405 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $1 | $7 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | ACCOUNTING SUITE 1800 GREENSBORO, NC 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $332 | — | $332 | 2.32% |
| BARNETT BENEFITS LLC3 | 7906 PLAYERS FOREST DR STE 1 MEMPHIS, TN 38119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $205 | — | $205 | 1.43% |
| HODGES-MACE BENEFITS GRP INC3 | 3350 RIVERWOOD PKWY STE 80 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $184 | — | $184 | 1.29% |
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 | 5,785 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,821 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 8,334 | $535K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 8,842 | $5.2M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 7,528 | $4.4M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 7,528 | $4.4M |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 7,528 | $5.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,842 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.