| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES-CHARLOTT | 5925 CARNEGIE BLVD. SUITE 400 CHARLOTTE, NC 282094659 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $25K | $25K | 4.96% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY RD # 414 GREENSBORO, NC 27409 | UNITED HEALTHCARE INSURANCE COMPANY | — | $1K | $1K | 0.23% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 5925 CARNEGIE BLVD. SUITE 400 CHARLOTTE, NC 282094659 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE INC. | 414 GALLIMORE DAIRY RD SUITE F GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $286 | $286 | 0.48% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 5925 CARNEGIE BLVD. SUITE 400 CHARLOTTE, NC 282094659 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY RD. SUITE F GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $116 | $116 | 0.45% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 5925 CARNEGIE BLVD. SUITE 400 CHARLOTTE, NC 28209 | THE LINCOLN NATIONAL LIFE COMPANY | $2K | — | $2K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY RD. SUITE F GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE COMPANY | — | $57 | $57 | 0.50% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 5925 CARNEGIE BLVD. SUITE 400 CHARLOTTE, NC 282094659 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY RD SUITE F GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $50 | $50 | 0.48% |
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF INSURANCE SERVICES INC. | 5925 CARNEGIE BLVD SUITE 400 CHARLOTTE, NC 282094659 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $630 | — | $630 | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 5925 CARNEGIE BLVD. SUITE 400 CHARLOTTE, NC 282094659 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $910 | — | $910 | 15.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY RD SUITE F GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $31 | $31 | 0.51% |
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 | 115 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 72 | $498K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 79 | $60K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 58 | $6K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE COMPANY | 103 | $17K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 103 | $26K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 104 | $10K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 103 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.