| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SALMON, WILLIAM F3 | 2443 LYNN RD SUITE 208 RALEIGH, NC 27612 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $74K | — | $74K | 2.25% |
| LOCKBOX 4198143 | PO BOX 419814 BOSTON, MA 02241 | AMERITAS LIFE INSURANCE COMPANY | $8K | — | $8K | 3.76% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 47 AIRPARK CT PO BOX 27149 GREENVILLE, SC 29616 | AMERITAS LIFE INSURANCE COMPANY | — | $3K | $3K | 1.33% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3318 W FRIENDLY AVE SUITE 400 GREENSBORO, NC 27410 | AMERITAS LIFE INSURANCE COMPANY | $853 | — | $853 | 0.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3625 NORTH ELM STREET GREENSBORO, NC 27455 | HARTFORD LIFE AND ACCIDENT | $16K | — | $16K | 10.61% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | 4611 UNIVERSITY DR DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | — | $11K | $11K | 7.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICS INC | 4309 EMPEROR BLVD SUITE 300 DURHAM, NC 27703 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 0.98% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 7.72% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS INC | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 7.61% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | — | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3318 W FRIENDLY AVE STE 400 GREENSBORO, NC 27410 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 27.20% |
| BB&T INSURANCE SERVICES, INC.4 Filed as: BB&T INSURANCE SERVICES | 2000 CENTER POINT RD COLUMBIA, SC 29210 | PREPAID LEGAL SERVICES INC DBS LEGAL SHIELD | $863 | — | $863 | 22.64% |
| NANCY H GULLIE4 | 3521 AAROWWOOD DR COLUMBIA, SC 29210 | PREPAID LEGAL SERVICES INC DBS LEGAL SHIELD | $76 | — | $76 | 1.99% |
| AARON N CLINARD4 | PO BOX 6414 HIGH POINT, NC 27604 | PREPAID LEGAL SERVICES INC DBS LEGAL SHIELD | $50 | — | $50 | 1.31% |
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 | 196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 193 | $3.3M |
| Dental | AMERITAS LIFE INSURANCE COMPANY | 418 | $217K |
| Vision | AMERITAS LIFE INSURANCE COMPANY | 418 | $217K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 196 | $153K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 196 | $153K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 196 | $153K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 193 | $3.3M |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 196 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 418 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.