| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE SUITE 201 RALEIGH, NC 276124959 | CALIFORNIA PHYSICIANS' SERVICE | $2K | $36K | $38K | 4.18% |
| MCGRIFF INSURANCE SERVICES INC3 | 19100 VON KARMAN, SUITE 920 KANDACE MCCRAE IRVINE, CA 92312 | DELTA DENTAL OF SOUTH DAKOTA | $2K | — | $2K | 2.02% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $930 | — | $930 | 6.16% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR SUITE 1800 GREENSBORO, NC 274099047 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.36% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $260 | — | $260 | 1.90% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 276124954 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $101 | $20 | $121 | 0.88% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR SUITE 1800 GREENSBORO, NC 274099047 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.95% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $389 | — | $389 | 3.05% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 276124954 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $129 | $16 | $145 | 1.14% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR SUITE 1800 GREENSBORO, NC 274099047 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $861 | — | $861 | 7.48% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $198 | — | $198 | 1.72% |
| BB&T INS SERVICES OF CA3 | 3605 GLENWOOD AVE SUITE 201 RALEIGH, NC 276124959 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $92 | $17 | $109 | 0.95% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR GREENSBORO, NC 274099047 | PRINCIPAL LIFE INSURANCE COMPANY | $413 | $97 | $510 | 4.51% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 2400 E. KATELLA AVENUE SUITE 1100 ANAHEIM, CA 928065980 | PRINCIPAL LIFE INSURANCE COMPANY | $39 | — | $39 | 0.35% |
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 | 169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE | 191 | $911K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF SOUTH DAKOTA | 225 | $98K |
| Vision | VISION SERVICE PLAN | 103 | $15K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 169 | $24K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 169 | $14K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 191 | $911K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 169 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.