| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVENUE RALEIGH, NC 276124954 | HUMANA HEALTH PLAN, INC. | $65K | — | $65K | 3.53% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | — | $20K | 2.86% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 214 N TRYON STREET CHARLOTTE, NC 28202 | DELTA DENTAL OF KENTUCKY | $9K | — | $9K | 8.19% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3201 BEACHLEAF COURT RALEIGH, NC 27604 | DELTA DENTAL OF KENTUCKY | $2K | — | $2K | 1.76% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $4K | $17K | 18.98% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | PO BOX 211486 COLUMBIA, SC 29221 | STANDARD INSURANCE COMPANY | $4K | $2K | $6K | 8.19% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282171964 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 5.49% |
| STEPHEN LUNCEFORD3 | PO BOX 211486 COLUMBIA, SC 29221 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.06% |
| PAMELA LAWHORN3 | 900 S GAY STREET 4TH FLOOR KNOXVILLE, TN 37902 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.06% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $3K | $13K | 19.26% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $2K | $11K | 18.98% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 900 S GAY ST FL 4 KNOXVILLE, TN 379021810 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 47 AIRPARK CT PO BOX 27149 GREENSBORO, SC 296162149 | AMERITAS LIFE INSURANCE CORP. | — | $565 | $565 | 1.85% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTE, NC 282896620 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $836 | $234 | $1K | 19.21% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $279 | $279 | 5.01% |
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 | 442 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA HEALTH PLAN, INC. | 578 | $2.5M |
| Dental | DELTA DENTAL OF KENTUCKY | 0 | $107K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 298 | $31K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 584 | $72K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 457 | $89K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 457 | $55K |
| Other(5 contracts, 4 carriers) | HUMANA HEALTH PLAN, INC. | 584 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 584 | — |
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.
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.