| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL W STEEN3 | 3318 W FRIENDLY AVE STE 400 GREENSBORO, NC 27410 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $48K | $567 | $49K | 3.91% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES - AXA | USI INSURANCE SERVICES NAT'L MINNEAPOLIS, MN 55485 | MONY LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.51% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES - AXA | MCGRIFF INSURANCE SERVICES - AXA CHAROTTE, NC 28289 | MONY LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.55% |
| MOSAIC GROUP SERVICES3 | MOSAIC GROUP SERVICES DURHAM, NC 27702 | MONY LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.84% |
| MCGRIFF INSURANCE SERVICES INC | — | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 6100 FAIRVIEW RD FL 8 CHARLOTTE, NC 28210 | AMERITAS LIFE INSURANCE COMPANY | $834 | — | $834 | 11.38% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SEVICES | 3318 W FRIENDLY AVE STE 400 GREENSBORO, NC 27410 | AMERITAS LIFE INSURANCE COMPANY | $129 | — | $129 | 1.76% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SCVS USA INC | 5200 N PALM AVE STE 114 FRESNO, CA 93704 | AMERITAS LIFE INSURANCE COMPANY | — | $58 | $58 | 0.79% |
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 | 259 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 323 | $1.2M |
| Dental | AMERITAS LIFE INSURANCE COMPANY | 157 | $7K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 152 | $19K |
| Life insurance | MONY LIFE INSURANCE COMPANY OF AMERICA | 359 | $62K |
| Long-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 359 | $62K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 323 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.