| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEEN, MICHAEL W.3 Filed as: STEEN, MICHAEL WILLIAM | 3318 W FRIENDLY AVE SUITE 400 RALEIGH, NC 27612 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $69K | — | $69K | 2.65% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3318 W FRIENDLY AVE SUITE 400 GREENSBORO, NC 27410 | AMERITAS LIFE INSURANCE COMPANY | $9K | — | $9K | 4.13% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 47 AIRPARK CT PO BOX 27149 GREENVILLE, SC 29616 | AMERITAS LIFE INSURANCE COMPANY | — | $6K | $6K | 2.61% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | ATTN EMPLOYEE BENEFITS PO BOX 168 WINSTON-SALEM, NC 27102 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $18K | $5K | $23K | 15.08% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY INC. | PO BOX 211486 COLUMBIA, SC 29221 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 5.00% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $73 | $73 | 0.05% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 12.23% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS INC | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 11.96% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3318 WEST FRIENDLY AVE GREENSBORO, NC 27410 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | ATTN EMPLOYEE BENEFITS PO BOX 168 WINSTON-SALEM, NC 27102 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $530 | $530 | 4.00% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 544 | $2.6M |
| Dental | AMERITAS LIFE INSURANCE COMPANY | 435 | $218K |
| Vision | AMERITAS LIFE INSURANCE COMPANY | 435 | $218K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 195 | $155K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 195 | $155K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 195 | $155K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 544 | $2.6M |
| Other(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 195 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 544 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.