| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 3318 WEST FRIENDLY AVENUE SUITE 40 GREEMSBORO, NC 27410 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $79K | — | $79K | 17.49% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT CO INC | PO BOX 211486 COLUMBIA, SC 29221 | DELTA DENTAL OF NORTH CAROLINA | $8K | — | $8K | 6.33% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | COMMISSION PROCESSING SERVICES GREENSBORO, NC 27409 | DELTA DENTAL OF NORTH CAROLINA | $0 | — | $0 | 0.00% |
| BLAKE V WELLER3 | MCGRIFF INSURANCE SERVICES INC CHARLOTTE, NC 28289 | MONY LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 6.28% |
| BLAKE V WELLER3 | MCGRIFF INSURANCE SERVICES INC CHARLOTTE, NC 28289 | MONY LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.01% |
| BLAKE V WELLER3 | MCGRIFF INSURANCE SERVICES INC CHARLOTTE, NC 28289 | MONY LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.62% |
| BLAKE V WELLER3 | MCGRIFF INSURANCE SERVICES INC CHARLOTTE, NC 28289 | MONY LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.29% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | EYEMED | $2K | — | $2K | 9.06% |
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 | 184 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 275 | $452K |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 274 | $134K |
| Vision | EYEMED | 229 | $23K |
| Life insurance | MONY LIFE INSURANCE COMPANY OF AMERICA | 191 | $80K |
| Short-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 191 | $80K |
| Long-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 191 | $80K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 275 | $452K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.