| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | MCGRIFF INSURANCE SERVICES INC GREENSBORO, NC 27410 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $80K | — | $80K | 13.29% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERV-BLAKE WE, | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | DELTA DENTAL OF NORTH CAROLINA | $12K | — | $12K | 5.69% |
| BENEFIT CO INC OF SOUTH CAROLINA3 Filed as: BENEFIT CO INC STEPHEN | STEPHEN LUNCEFORD PO BOX 211486 COLUMBIA, SC 29221 | DELTA DENTAL OF NORTH CAROLINA | $9K | — | $9K | 4.32% |
| BLAKE V WELLER3 | MCGRIFF INSURANCE SERVICES INC CHARLOTTE, NC 28289 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 7.35% |
| BLAKE V WELLER3 | MCGRIFF INSURANCE SERVICES INC CHARLOTTE, NC 28289 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 4.29% |
| BLAKE V WELLER3 | MCGRIFF INSURANCE SERVICES INC CHARLOTTE, NC 28289 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.82% |
| BLAKE V WELLER3 | MCGRIFF INSURANCE SERVICES INC CHARLOTTE, NC 28289 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.52% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | MCGRIFF INSURANCE SERVICES INC GREENSBORO, NC 28289 | EYEMED | $2K | — | $2K | 11.52% |
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 | 244 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 343 | $605K |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 433 | $203K |
| Vision | EYEMED | 376 | $21K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 268 | $101K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 268 | $101K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 268 | $101K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 343 | $605K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 433 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.