| 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 | 13.95% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $28 | $28 | 0.06% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $5 | $5 | 0.01% |
| 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. | — | $656 | $656 | 3.24% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | P. O. BOX 211486 COLUMBIA, SC 29221 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 13.86% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | P. O. BOX 168 WINSTON-SALEM, NC 27102 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $89 | $2K | 12.19% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3150 S. MAIN ST. HARRISONBURG, VA 22801 | SUN LIFE ASSURANCE COMPANY OF CANADA | $310 | — | $310 | 2.31% |
| BB&T INSURANCE SERVICES, INC.4 Filed as: BB&T INSURANCE SERVICES INC. | P.O. BOX 896220 CHARLOTTE, NC 28289 | PREPAID LEGAL SERVICES INC. DBA LEGALSHIELD | $609 | — | $609 | 17.26% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP. | 189 | $20K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 132 | $45K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 132 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.