| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVENUE STE 201 RALEIGH, NC 27612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $9K | $19K | 8.76% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | 3800 FERNANDINA ROAD SUITE 200 COLUMBIA, SC 29221 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 3.11% |
| LAWSON MICHELLE DAWN HYDE3 | PO BOX 443 LOVINGSTON, VA 22949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 6.52% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENNWOOD AVE SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 5.73% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $231 | — | $231 | 1.26% |
| MRM & ASSOCS OF AMERICA LTD3 Filed as: MRM & ASSOC OF AMERICA LTD | 762 CHAPEL RIDGE DR PITTSBORO, NC 27312 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $143 | — | $143 | 0.78% |
| LAWSON MICHELLE DAWN HYDE3 | PO BOX 443 LOVINGSTON, VA 22949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $181 | — | $181 | 8.69% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVENUE SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $154 | — | $154 | 7.40% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 3009 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 1.34% |
| MRM & ASSOCS OF AMERICA LTD3 Filed as: MRM & ASSOC OF AMERICA LTD | 762 CHAPEL RIDGE DR PITTSBORO, NC 27312 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 1.01% |
| LAWSON MICHELLE DAWN HYDE3 | PO BOX 443 LOVINGSTON, VA 22949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $82 | — | $82 | 4.02% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVENUE SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $82 | — | $82 | 4.02% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | — | $31 | 1.52% |
| MRM & ASSOCS OF AMERICA LTD3 Filed as: MRM & ASSOC OF AMERICA LTD | 762 CHAPEL RIDGE DR PITTSBORO, NC 27312 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.49% |
| LAWSON MICHELLE DAWN HYDE3 | PO BOX 443 LOVINGSTON, VA 22949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $86 | — | $86 | 4.58% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENNWOOD AVE SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $75 | — | $75 | 4.00% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.80% |
| MRM & ASSOCS OF AMERICA LTD3 Filed as: MRM & ASSOC OF AMERICA LTD | 762 CHAPEL RIDGE DR PITTSBORO, NC 27312 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.59% |
| LAWSON MICHELLE DAWN HYDE3 | PO BOX 443 LOVINGSTON, VA 22949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $78 | — | $78 | 4.32% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVENUE SUITE 190 RALEIGH, NC 276125929 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $73 | — | $73 | 4.04% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 1.16% |
| MRM & ASSOCS OF AMERICA LTD3 Filed as: MRM & ASSOC OF AMERICA LTD | 762 CHAPEL RIDGE DR PITTSBORO, NC 27312 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.55% |
| LAWSON MICHELLE DAWN HYDE3 | PO BOX 443 LOVINGSTON, VA 22949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $48 | — | $48 | 4.62% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVENUE SUITE 190 RALEIGH, NC 276124954 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42 | — | $42 | 4.04% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.77% |
| MRM & ASSOCS OF AMERICA LTD3 Filed as: MRM & ASSOC OF AMERICA LTD | 762 CHAPEL RIDGE DR PITTSBORO, NC 27312 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.58% |
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 | 277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 291 | $212K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 378 | $216K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 291 | $212K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 291 | $212K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 291 | $212K |
| Other(7 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 291 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 378 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.