| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 414 GALLIMORE DAIRY RD S GREENSBORO, NC 27409 | OPTIMA HEALTH PLAN | $41K | — | $41K | 3.25% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY RD, STE F GREENSBORO, NC 274099693 | PRINCIPAL LIFE INSURANCE COMPANY | $26K | $20K | $46K | 19.65% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 292216486 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $6K | $8K | 3.27% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 414 GALLIMORE DAIRY RD S GREENSBORO, NC 27409 | OPTIMAHEALTH | $2K | — | $2K | 2.58% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 414 GALLIMORE AIRY RD S GREENSBORO, NC 27409 | OHIC | $2K | — | $2K | 2.93% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS INC | 3605 GLENWOOD AVE. SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 7.31% |
| LONA BISHOP3 | P. O. BOX 645 LURAY, VA 22835 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.71% |
| MARK WARE3 Filed as: MARK A. WARE | 310 SHOREWOOD DR. MINERAL, VA 23117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $180 | — | $180 | 0.62% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS INC | 3605 GLENWOOD AVENUE SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 11.23% |
| LONA BISHOP3 | P. O. BOX 645 LURAY, VA 22835 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 10.36% |
| MARK WARE3 Filed as: MARK A. WARE | 310 SHOREWOOD DRIVE MINERAL, VA 23117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $119 | — | $119 | 0.87% |
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 | 221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | OPTIMA HEALTH PLAN | 273 | $1.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 371 | $233K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 371 | $233K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 371 | $233K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 371 | $233K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 371 | $233K |
| Other(5 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 371 | $416K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.