| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PILOT FINANCIAL BRKG INC3 | 3608 W FRIENDLY AVE, STE 212 GREENSBORO, NC 27410 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 1.68% |
| OSBORNE BRUMSEY ASSOC INC3 | PO BOX 7609 GREENSBORO, NC 274170609 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 0.99% |
| CRAFT INSURANCE CENTER3 | 823 ELM ST GREENSBORO, NC 27401 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 0.66% |
| PIA-SC INSURANCE SERVICES, INC.3 Filed as: PIA-SC INSURANCE SERVICES INC. | 5800 SOUTH EASTERN AVE COMMERCE, CA 900404016 | KANAWHA INSURANCE COMPANY | $9K | — | $9K | 5.00% |
| PILOT FINANCIAL BRKG INC3 | 3608 W FRIENDLY AVE, STE 212 GREENSBORO, NC 27410 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 1.68% |
| OSBORNE BRUMSEY ASSOC INC3 | PO BOX 7609 GREENSBORO, NC 274170609 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 0.98% |
| CRAFT INSURANCE CENTER3 | 823 N ELM ST GREENSBORO, NC 27401 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 0.66% |
| PILOT FINANCIAL BRKG INC3 | 3608 W FRIENDLY AVE, STE 212 GREENSBORO, NC 27410 | STANDARD INSURANCE COMPANY | $603 | — | $603 | 1.51% |
| OSBORNE BRUMSEY ASSOC INC3 | PO BOX 7609 GREENSBORO, NC 274170609 | STANDARD INSURANCE COMPANY | $361 | — | $361 | 0.91% |
| CRAFT INSURANCE CENTER3 | 823 ELM ST GREENSBORO, NC 27401 | STANDARD INSURANCE COMPANY | $239 | — | $239 | 0.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| C S GRIGGS CORPORATION EIN 58-2041587 SERVICE PROVIDER | Other services; Direct payment from the plan Service code 49 | — | $144K |
| FUNK & BOLTON, PA EIN 52-1961786 SERVICE PROVIDER | Legal; Direct payment from the plan Service code 29 | — | $45K |
| FRASIER DEAN & HOWARD, PLLC EIN 62-1073578 SERVICE PROVIDER | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $18K |
| PRINTING INDUSTRIES OF AMERICA EIN 53-0159450 SERVICE PROVIDER | Direct payment from the plan; Other services Service code 49 | — | $8K |
| THE TRAVELERS INDEMNITY COMPANY EIN 06-0566050 SERVICE PROVIDER | Direct payment from the plan; Insurance services Service code 23 | — | $7K |
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 | 9,230 | 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) | 9,230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | KANAWHA INSURANCE COMPANY | 7,964 | $221K |
| Short-term disability | STANDARD INSURANCE COMPANY | 604 | $156K |
| Long-term disability | STANDARD INSURANCE COMPANY | 990 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,964 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.