| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES-NC | 3318 W FRIENDLY AVE STE 400 GREENSBORO, NC 274104885 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $29K | $29K | 2.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC-NC | 2301 SUGAR BUSH RD STE 600 RALEIGH, NC 276123382 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $3K | $3K | 0.26% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | USABLE LIFE | $2K | $0 | $2K | 8.46% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $963 | $0 | $963 | 4.63% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON ST STE 1200 CONSHOHOCKEN, PA 19428 | USABLE LIFE | $169 | $0 | $169 | 0.81% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS INC | 7701 AIRPORT CENTER DRIVE SUITE 180 GREENSBORO, NC 274099047 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 20.87% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | USABLE LIFE | $1K | $0 | $1K | 8.44% |
| MOSIAC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $706 | $0 | $706 | 4.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON ST STE 1200 CONSHOHOCKEN, PA 19428 | USABLE LIFE | $123 | $0 | $123 | 0.80% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | USABLE LIFE | $2K | $15 | $2K | 13.14% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $1K | $0 | $1K | 9.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON ST STE 1200 CONSHOHOCKEN, PA 19428 | USABLE LIFE | $167 | $0 | $167 | 1.18% |
| 0009S329-3 | MCGRIFF INSURANCE SERVICES, IN 7391 HODGSON MEMORIAL DRIVE SUITE 1 SAVANNAH, GA 31406 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 26.69% |
| 0009L816-3 | MARSH MCLENNAN AGENCY LLC 3625 N. ELM STREET GREENSBORO, NC 27455 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 8.20% |
| 0009S3253 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $488 | $488 | 3.80% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $923 | $0 | $923 | 8.33% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $92 | $0 | $92 | 0.83% |
| MCGRIFF INSURANCE SERVICES INC3 | 2000 CENTER POINT RD STE 2400 COLUMBIA, SC 29210 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $462 | $0 | $462 | 14.33% |
| SDM&R, INC DBA SENN DUNN INSURANCE3 Filed as: SDM&R, INC | DBA SENN DUNN INSURANCE PO BOX 9375 GREENSBORO, NC 27429 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $51 | $0 | $51 | 1.58% |
| AARON N CLINARD3 | P.O. BOX 6414 HIGH POINT, NC 27262 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $38 | $0 | $38 | 1.18% |
| RUTH A ANDERSON3 | 331 S FAYETTEVILLE ST CLAYTON, NC 27520 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $35 | $0 | $35 | 1.09% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 150 | $993K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $13K |
| Vision | VISION SERVICE PLAN | 92 | $11K |
| Life insurance(2 contracts) | USABLE LIFE | 137 | $29K |
| Long-term disability | USABLE LIFE | 137 | $21K |
| Other(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 137 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.