| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYAN C HUDSON3 | 5925 CARNEGIE BLVD STE 400 CHARLOTTE, NC 28209 | BLUECROSS BLUESHIELD OF NORTH CAROLINA | $6K | — | $6K | 0.28% |
| THOMAS A HOLLINGSWORTH3 | 5925 CARNEGIE BLVD STE 400 CHARLOTTE, NC 29707 | BLUECROSS BLUESHIELD OF NORTH CAROLINA | $6K | — | $6K | 0.25% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT MARK MCLEAN | P O BOX 1889 FORT MILL, SC 29716 | BLUECROSS BLUESHIELD OF NORTH CAROLINA | $6K | — | $6K | 0.25% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | THE HARTFORD | $14K | — | $14K | 9.38% |
| MOSAIC GROUP SERVICES Filed as: MOSAIC GROUP SERVICES, LLC | 4611 UNIVERSITY DRIVE DURHAM, NC 27702 | THE HARTFORD | — | $10K | $10K | 7.00% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE INC. | 72 SHARP ST UNIT C12 HINGHAM, MA 02043 | THE HARTFORD | $10K | — | $10K | 6.86% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | THE HARTFORD | $8K | — | $8K | 5.47% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 5925 CARNEGIE BLVD STE 400 CHARLOTTE, NC 28209 | AMERITAS LIFE INSURANCE COMPANY | $6K | — | $6K | 5.44% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 47 AIRPARK CT - PO BOX 27149 GREENVILLE, SC 29616 | AMERITAS LIFE INSURANCE COMPANY | $3K | — | $3K | 3.19% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 4.67% |
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 | 271 | 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) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF NORTH CAROLINA | 271 | $2.3M |
| Dental | AMERITAS LIFE INSURANCE COMPANY | 234 | $106K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 424 | $25K |
| Life insurance | THE HARTFORD | 432 | $144K |
| Short-term disability | THE HARTFORD | 432 | $144K |
| Prescription drug | BLUECROSS BLUESHIELD OF NORTH CAROLINA | 271 | $2.3M |
| Other(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF NORTH CAROLINA | 432 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 432 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.