| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF INSURANCE SERVICES, INC | 3318 W FRIENDLY AVE GREENSBORO, NC 27410 | AETNA LIFE INSURANCE CO. | $70K | — | $70K | 2.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3318 W. FRIENDLY AVE GREENSBORO, NC 27410 | HARTFORD LIFE AND ACCIDENT | $28K | — | $28K | 15.00% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | 4611 UNIVERSITY DR DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | — | $6K | $6K | 3.19% |
| BB&T3 | PO BOX 169 WINSTON SALEM, NC 27102 | DELTA DENTAL OF NC | — | $13K | $13K | 7.38% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3318 W FRIENDLY AVE GREENSBORO, NC 27410 | DELTA DENTAL OF NC | $8K | — | $8K | 4.24% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC | PO BOX 211486 COLUMBIA, SC 29221 | DELTA DENTAL OF NC | $5K | — | $5K | 2.75% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 3605 GLENWOOD AVE. RALEIGH, NC 27612 | VISION SERVICE PLAN | $2K | — | $2K | 3.97% |
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 | 311 | 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) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 553 | $3.5M |
| Dental | DELTA DENTAL OF NC | 461 | $180K |
| Vision | VISION SERVICE PLAN | 227 | $43K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 311 | $189K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 311 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.