| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3318 W FRIENDLY AVE STE 400 GREENSBORO, NC 274104885 | AMERITAS | $8K | — | $8K | 6.45% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 47 AIRPARK CT PO BOX 27149 GREENVILLE, SC 296162149 | AMERITAS | $0 | $3K | $3K | 2.56% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | ATTN DAVID YOPP 4309 EMPEROR BLVD SUITE 300 DURHAM, NC 27703 | HARTFORD LIFE AND ACCIDENT | $15K | — | $15K | 13.76% |
| BB&T INS SVCS INC3 Filed as: BB&T INS SERVICE INC | 414 GALLIMORE DAIRY ROAD #F GREENSBORO, NC 27409 | HARTFORD LIFE AND ACCIDENT | $0 | $6K | $6K | 5.61% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | VISION SERVICE PLAN | $1K | — | $1K | 4.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER CHICAGO, IL 606930001 | VISION SERVICE PLAN | $67 | — | $67 | 0.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC EIN 33-0441200 PHARMACY BENEFIT MGT | Float revenue; Other fees; Claims processing; Direct payment from the plan Service code 12 | — | $301K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $94K |
| BB&T INSURANCE SERVICES INC EIN 56-1623293 BROKER | Other commissions Service code 55 | ATTN BONNIE EDWARDS 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | $20K |
| MCGRIFF INSURANCE SERVICES INC EIN 56-1623293 BROKER | Other commissions Service code 55 | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | $2K |
| HUB INTERNATIONAL MIDWEST LTD EIN 35-0672425 BROKER | Other commissions Service code 55 | ATTN ACCOUNTING 55 E JACKSON BLVD STE 14B CHICAGO, IL 60604 | $2K |
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 | 222 | 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) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS | 371 | $125K |
| Vision | VISION SERVICE PLAN | 146 | $29K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 348 | $108K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 348 | $108K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | TOKIO MARINE | 196 | $351K |
| Other | HARTFORD LIFE AND ACCIDENT | 348 | $108K |
| 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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.