| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 168 WINSTON-SALEM, NC 27102 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 13.57% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $60 | $60 | 0.14% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 168 250 W FIRST ST #100 WINSTON SALEM, NC 271020168 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 27149 47 AIRPARK CT GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP. | — | $591 | $591 | 2.80% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | P. O. BOX 168 WINSTON-SALEM, NC 27102 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 14.21% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | P. O. BOX 211486 COLUMBIA, SC 29221 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 14.19% |
| BB&T INSURANCE SERVICES, INC.4 Filed as: BB&T INSURANCE SERVICES INC. | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $939 | — | $939 | 16.98% |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP. | 209 | $21K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 163 | $44K |
| Other(4 contracts, 4 carriers) | TARGETCARE, INC. | 164 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.