| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL W STEEN3 | 3318 W FRIENDLY AVE STE 400 GREENSBORO, NC 27410 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $63K | $2K | $64K | 2.17% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3318 W FRIENDLY AVE GREENSBORO, NC 27410 | PRUDENTIAL | $17K | — | $17K | 5.81% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY INC. | PO BOX 211486 COLUMBIA, SC 29221 | PRUDENTIAL | $7K | — | $7K | 2.50% |
| RUTHERFORD FINANCIAL SERVICES INC.3 Filed as: MCGIRFF INSURANCE SERVICES INC. | ATTN EMPLOYEE BENEFITS PO BOX 168 WINSTON SALEM, NC 27102 | PRUDENTIAL | $4K | — | $4K | 1.44% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHAGEN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL | — | $80 | $80 | 0.03% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 3318 W FRIENDLY AVE STE 400 GREENSBORO, NC 27410 | AMERITAS LIFE INSURANCE COMPANY | $9K | — | $9K | 4.15% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 47 AIRPARK CT PO BOX 27149 GREENVILLE, NC 29616 | AMERITAS LIFE INSURANCE COMPANY | — | $5K | $5K | 2.22% |
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 | 202 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 524 | $3.0M |
| Dental | AMERITAS LIFE INSURANCE COMPANY | 433 | $224K |
| Vision | AMERITAS LIFE INSURANCE COMPANY | 433 | $224K |
| Life insurance | PRUDENTIAL | 209 | $293K |
| Short-term disability | PRUDENTIAL | 209 | $293K |
| Long-term disability | PRUDENTIAL | 209 | $293K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 524 | $3.0M |
| Other | PRUDENTIAL | 209 | $293K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 524 | — |
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.