| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHGRAM INC Filed as: HEALTHGRAM,INC | 8731 RED OAK BOULEVARD CHARLOTTE, NC 28217 | HCC LIFE INSURANCE COMPANY | $3K | — | $3K | 0.75% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 27149 GREENVILLE, SC 296162149 | UNITED OF OMAHA LIFE INSURANCE CO | $7K | $2K | $8K | 18.94% |
| THE BENEFIT COMPANY INC5 Filed as: THE BENEFIT COMPANY, INC | PO BOX 211486 COLUMBIA, SC 29221 | UNITED OF OMAHA LIFE INSURANCE CO | — | $1K | $1K | 3.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 27149 GREENVILLE, SC 296162149 | UNITED OF OMAHA LIFE INSURANCE CO | $7K | $1K | $8K | 22.75% |
| THE BENEFIT COMPANY INC5 Filed as: THE BENEFIT COMPANY, INC | PO BOX 211486 COLUMBIA, SC 29221 | UNITED OF OMAHA LIFE INSURANCE CO | — | $1K | $1K | 3.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 27149 GREENVILLE, SC 296162149 | UNITED OF OMAHA LIFE INSURANCE CO | $3K | $1K | $4K | 13.71% |
| THE BENEFIT COMPANY INC5 Filed as: THE BENEFIT COMPANY, INC | PO BOX 211486 COLUMBIA, SC 29221 | UNITED OF OMAHA LIFE INSURANCE CO | — | $815 | $815 | 3.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 27149 GREENVILLE, SC 296162149 | UNITED OF OMAHA LIFE INSURANCE CO | $3K | $691 | $3K | 18.91% |
| THE BENEFIT COMPANY INC5 Filed as: THE BENEFIT COMPANY, INC | PO BOX 211486 COLUMBIA, SC 29221 | UNITED OF OMAHA LIFE INSURANCE CO | — | $530 | $530 | 3.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 417 E 1ST AVE EASLEY, SC 296403062 | AMERITAS LIFE INSURANCE CORP | $2K | — | $2K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 47 AIRPARK CT PO BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP | — | $453 | $453 | 2.83% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE CO | $596 | — | $596 | 6.87% |
| THE BENEFIT COMPANY INC5 Filed as: THE BENEFIT COMPANY, INC | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE CO | $593 | — | $593 | 6.84% |
| THE BENEFIT COMPANY INC5 Filed as: THE BENEFIT COMPANY, INC | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE CO | $506 | — | $506 | 5.94% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE CO | $493 | — | $493 | 5.79% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE CO | $385 | — | $385 | 5.60% |
| THE BENEFIT COMPANY INC5 Filed as: THE BENEFIT COMPANY, INC | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE CO | $384 | — | $384 | 5.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHGRAM, INC EIN 56-1449504 | Plan Administrator Service code 14 | — | $53K |
| BROKER COMMISSION EIN 56-1623293 | Insurance agents and brokers Service code 22 | — | $42K |
| CIGNA EIN 59-1031071 | Claims processing Service code 12 | — | $27K |
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 | 156 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 156 | $403K |
| Vision | AMERITAS LIFE INSURANCE CORP | 257 | $16K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE CO | 259 | $18K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 259 | $43K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 156 | $403K |
| Other(6 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE CO | 259 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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."
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.