| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 4309 EMPEROR BLVD STE 300 DURHAM, NC 277038046 | PRINCIPAL LIFE INSURANCE COMPANY | $38K | — | $38K | 12.48% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, NC 292216486 | PRINCIPAL LIFE INSURANCE COMPANY | — | $9K | $9K | 3.04% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 274099693 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 0.93% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 2900 ARENDELL ST STE 17 MOREHEAD CITY, NC 285573393 | AMERITAS LIFE INSURANCE CORP | $2K | — | $2K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP | — | $514 | $514 | 2.85% |
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 | 282 | 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) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 428 | $2.9M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 436 | $306K |
| Vision | AMERITAS LIFE INSURANCE CORP | 259 | $18K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 436 | $306K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 436 | $306K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 436 | $306K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 428 | $2.9M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 436 | $306K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 436 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.