| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | $29K | — | $29K | 10.32% |
| MOSIAC GROUP SERVICES3 Filed as: MOSIAC GROUP SERVICES LLC | PO BOX 2291 DURHAM, NC 277022291 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | — | $11K | 4.04% |
| THE BENEFIT COMPANY INC5 | PO BOX 211486 COLUMBIA, SC 292216486 | PRINCIPAL LIFE INSURANCE COMPANY | — | $7K | $7K | 2.63% |
| MCGRIFF INSURANCE SERVICES INC3 | BARGER INSURANCE NETWORK 7701 AIRPORT CENTER DR GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.75% |
| MCGRIFF INSURANCE SERVICES INC3 | 7391 HODGSON MEMORIAL DRIVE SUITE 100 SAVANNAH, GA 31406 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $410 | $5K | 18.26% |
| THE BENEFIT COMPANY INC3 | 3800 FERNANDINA ROAD SUITE 200 COLUMBIA, SC 29221 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 17.18% |
| CONSOLIDATED PLANNING HOLDINGS3 | 6115 PARK SOUTH DRIVE SUITE 200 CHARLOTTE, NC 28210 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26 | — | $26 | 0.09% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 355 | $280K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 355 | $280K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 355 | $280K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 355 | $280K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 355 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.