| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DREW M. LAMB3 | 5925 CARNEGIE BLVD SUITE 400 CHARLOTTE, NC 282094659 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $38K | — | $38K | 3.83% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 5925 CARNEGIE BLVD. STE 400 CHARLOTTE, NC 282094659 | AMERITAS LIFE INSURANCE CORP. | $9K | — | $9K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 47 AIRPARK CT. PO BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP. | — | $4K | $4K | 4.27% |
| MCGRIFF INSURANCE SERVICES INC3 | 5925 CARNEGIE BLVD. STE 400 CHARLOTTE, NC 28277 | SYMETRA LIFE INSURANCE COMPANY | $13K | $1K | $14K | 16.31% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | 4615 UNIVERSITY DR. DURHAM, NC 27707 | SYMETRA LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | — | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 20.00% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | — | HARTFORD LIFE AND ACCIDENT | $764 | — | $764 | 7.00% |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 219 | $994K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 266 | $93K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 266 | $93K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 138 | $86K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 138 | $86K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 138 | $86K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 219 | $994K |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 219 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.