| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 4309 EMPEROR BLVD., STE 300 DURHAM, NC 27703 | RELIASTAR LIFE INSURANCE COMPANY | $19K | $13K | $31K | 6.17% |
| CUENCA & ASSO. INS. AGENCY, INC.3 Filed as: CUENCA & ASSOCIATES INSURANCE AGENC | 2990 INNSBRUCK DR. REDDING, CA 96003 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $11K | $11K | 2.21% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED CARE) | $22K | $0 | $22K | 43.37% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | EB COMMISSION P.O. BOX 89662 CHARLOTTE, NC 28289 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 19.87% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 4309 EMPEROR BLVD. SUITE 300 DURHAM, NC 27703 | HARTFORD FIRE INSURANCE COMPANY | $124 | $0 | $124 | 1.00% |
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 | 421 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 156 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 577 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 627 | $224K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED CARE) | 488 | $51K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,353 | $510K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,353 | $510K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,353 | $510K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,353 | $543K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,353 | — |
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.