| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3318 W FRIENDLY AVE STE 400 GREENSBORO, NC 274104885 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 0.47% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 292216486 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 0.31% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE SUITE 1800 CHARLOTTE, NC 27409 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | — | $29K | 26.69% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 11.83% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 274099047 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 11.43% |
| LISA L BASS4 | 1969 LITTLE MOUNTAIN RD. ALEXIS, NC 280069739 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $545 | — | $545 | 9.59% |
| BROOKS AND ASSOCIATES LLC4 | 14215 GRANTHAM CT FORT MILL, SC 297076482 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $379 | — | $379 | 6.67% |
| NANCY CRUMP4 | PO BOX 922 LAGRANGE, GA 302410016 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $29 | — | $29 | 0.51% |
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 | 193 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 304 | $1.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 304 | $1.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 304 | $1.8M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 262 | $107K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 262 | $107K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 262 | $107K |
| Other(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 262 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.