| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL WILLIAM STEEN3 | 3318 W FRIENDLY AVE STE 400 GREENSBORO, NC 27410 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $19K | — | $19K | 2.40% |
| MITCHELL F ELLIS3 | 3318 W FRIENDLY AVE STE 400 GREENSBORO, NC 27410 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $3K | — | $3K | 0.34% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS. SVCS. LLC | STE 190 RALEIGH, NC 27612 | AMERICAN UNITED LIFE INSURANCE COMPANY | $8K | — | $8K | 18.67% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, NC 29221 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $2K | $2K | 4.50% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 3318 W FRIENDLY AVE STE 400 GREENSBORO, NC 274104885 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 6.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 47 AIRPARK CT PO BOX 27149 GREENVILLE, NC 296162149 | AMERITAS LIFE INSURANCE CORP. | — | $2K | $2K | 3.70% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS LLC | STE 190 RALEIGH, NC 27612 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | — | $2K | 17.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $610 | $610 | 4.50% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $551 | $551 | 4.50% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS LLC | STE 190 RALEIGH, NC 27612 | AMERICAN UNITED LIFE INSURANCE COMPANY | $245 | — | $245 | 2.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $792 | — | $792 | 7.10% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS LLC | STE 190 RALEIGH, NC 27612 | AMERICAN UNITED LIFE INSURANCE COMPANY | $354 | — | $354 | 17.00% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $94 | $94 | 4.51% |
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 | 111 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 119 | $801K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 195 | $41K |
| Vision | VISION SERVICE PLAN | 76 | $11K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 114 | $45K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 114 | $45K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 119 | $801K |
| Other(5 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 119 | $875K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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."
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.