| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: LEWIS B FRIEBERG | 1457 KELLY RD #112 APEX, NC 27502 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $3K | — | $3K | 0.10% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | PO BOX 896620 CHARLOTTE, NC 28289 | HARTFORD LIFE AND ACCIDENT | $31K | $2K | $32K | 16.09% |
| MOSIAC GROUP SERVICES3 Filed as: MOSIAC GROUP SERVICES, LLC | 4611 UNIVERSITY DR DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | $14K | — | $14K | 7.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: LEWIS S FRIEBERG | 4309 EMPEROR BLVD STE 300 DURHAM, NC 27703 | HARTFORD LIFE AND ACCIDENT | $472 | — | $472 | 0.23% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $18K | $2K | $20K | 11.18% |
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 | 406 | 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) | 406 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 579 | $2.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 300 | $183K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 579 | $2.7M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 668 | $202K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 668 | $202K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 668 | $202K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 579 | $2.7M |
| Other | HARTFORD LIFE AND ACCIDENT | 668 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 668 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.