| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENEFIT COMPANY INC3 | PO BOX 211486 SUITE 200 COLUMBIA, SC 292216486 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 7.06% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $500 | $5K | 5.57% |
| MCGRIFF INSURANCE SERVICES INC3 | BARGER INSURANCE NETWORK 7701 AIRPORT CENTER DR GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | — | $557 | $557 | 0.59% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 PO BOX CHARLOTTE, NC 28289 | HARTFORD LIFE AND ACCIDENT | $10K | $1K | $11K | 15.45% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 SUITE 200 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 9.66% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282171964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 8.28% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| BROOKS AND ASSOCIATES LLC4 | 14215 GRANTHAM CT FORT MILL, SC 29707 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $387 | — | $387 | 8.34% |
| LISA L BASS4 | 16973 BRIDGETON LN HUNTERSVILLE, NC 28078 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $330 | — | $330 | 7.11% |
| NANCY CRUMP4 | PO BOX 922 LAGRANGE, GA 30241 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $26 | — | $26 | 0.56% |
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 | 174 | 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) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 225 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 221 | $95K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 131 | $14K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 268 | $70K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 268 | $70K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 268 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.