| 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 21703 | HARTFORD LIFE AND ACCIDENT | $64K | $4K | $68K | 17.87% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | P. O. BOX 211486 COLUMBIA, SC 29221 | HARTFORD LIFE AND ACCIDENT | -$53 | — | -$53 | -0.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 250 W.FIRST #100 WINSTON SALEM, NC 271020168 | AMERITAS LIFE INSURANCE CORPORATION | $14K | — | $14K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 47 AIRPARK CT. PO BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORPORATION | — | $3K | $3K | 1.02% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 168 WINSTON-SALEM, NC 27102 | UNION SECURITY INSURANCE COMPANY | $9K | — | $9K | 23.13% |
| MCGRIFF INSURANCE SERVICES INC3 | 250 WEST FIRST STREET STE 100 WINSTON SALEM, NC 27101 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 250 W. FIRST STREET SUITE 100 WINSTON-SALEM, NC 27101 | TELEDOC, INC. | $2K | — | $2K | 14.99% |
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 | 352 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TELEDOC, INC. | 317 | $14K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 750 | $289K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 234 | $30K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 363 | $382K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 363 | $382K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 363 | $382K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 363 | $437K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 750 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.