| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 | 5925 CARNEGIE BLVD. SUITE 400 CHARLOTTE, NC 282094659 | AMERITAS LIFE INSURANCE CORP. | $14K | — | $14K | 10.00% |
| BB&T INSURANCE SERVICES, INC.3 | 47 AIRPARK CT. PO BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP. | — | $3K | $3K | 2.46% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVENUE STE 201 RALEIGH, NC 27612 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $7K | 15.92% |
| THE BENEFIT COMPANY INC3 | 3800 FERNANDINA ROAD SUITE 200 COLUMBIA, SC 29221 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 12.28% |
| CONSOLIDATED PLANNING HOLDINGS3 | 4201 CONGRESS ST#295 CHARLOTTE, NC 28209 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $77 | — | $77 | 0.18% |
| MCGRIFF INSURANCE SERVICES INC3 | 1465 E JOYCE BLVD FAYETTEVILLE, AR 727035254 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $695 | $3K | 17.17% |
| THE BENEFIT COMPANY INC5 | PO BOX 211486 COLUMBIA, SC 292216486 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $605 | $605 | 3.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 1465 E JOYCE BLVD FAYETTEVILLE, AR 727035254 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $687 | $4K | 18.44% |
| THE BENEFIT COMPANY INC5 | PO BOX 211486 COLUMBIA, SC 292216486 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $599 | $599 | 3.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 1465 E JOYCE BLVD FAYETTEVILLE, AR 727035254 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $365 | $1K | 13.49% |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 274 | $1.4M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 303 | $137K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 303 | $1.6M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $30K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 142 | $20K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 274 | $1.4M |
| Other(3 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 143 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.