| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE SUITE 201 RALEIGH, NC 276123908 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $548 | $35K | $36K | 4.01% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE SUITE 201 RALEIGH, NC 276123908 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $5K | $5K | 0.51% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE SUITE 201 RALEIGH, NC 276123908 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | — | $6K | 6.87% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $777 | $777 | 0.87% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 EB COMMISSIONS CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $1K | $5K | 12.50% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 EB COMMISSIONS CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $411 | $2K | 12.61% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 EB COMMISSIONS CHARLOTTE, NC 28290 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $796 | $200 | $996 | 12.52% |
| MCGRIFF INSURANCE SERVICES INC3 | P.O. BOX 896620 CHARLOTTE, NC 282171964 | LEGAL RESOURCES | $194 | — | $194 | 8.51% |
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 | 200 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 128 | $889K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 169 | $89K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 128 | $889K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 200 | $43K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 200 | $16K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 200 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.