| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | P.O. BOX 896620 CHARLOTTE, NC 282896620 | UNITEDHEALTHCARE INSURANCE COMPANY | $425K | — | $425K | 4.56% |
| MCGRIFF INSURANCE SERVICES INC5 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3201 BEECHLEEF CT SUITE 200 RALEIGH, NC 27604 | PREMIER ACCESS INSURANCE COMPANY | $10K | — | $10K | 3.48% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | RELIANCE STANDARD | $9K | — | $9K | 15.00% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS INC | 8777 N GAINEY CENTER DR SUITE 260 SCOTTSDALE, AZ 85258 | RELIANCE STANDARD | — | $3K | $3K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | RELIANCE STANDARD | $7K | — | $7K | 15.00% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS INC | 8777 N GAINEY CENTER DR SUITE 260 SCOTTSDALE, AZ 85258 | RELIANCE STANDARD | — | $2K | $2K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 3111 CAMINO DEL RIO N STE 1100 SAN DIEGO, CA 92108 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 13.30% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 4309 EMPEROR BLVD SUITE 300 DURHAM, NC 27703 | RELIASTAR LIFE INSURANCE COMPANY | $7K | — | $7K | 20.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | RELIANCE STANDARD | $450 | — | $450 | 15.00% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS INC | 8777 N GAINEY CENTER DR SUITE 260 SCOTTSDALE, AZ 85258 | RELIANCE STANDARD | $150 | — | $150 | 5.00% |
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 | 345 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 533 | $9.3M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 583 | $297K |
| Vision | STANDARD INSURANCE COMPANY | 363 | $41K |
| Life insurance | RELIANCE STANDARD | 345 | $44K |
| Long-term disability | RELIANCE STANDARD | 345 | $60K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 533 | $9.3M |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD | 425 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 583 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.