| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 168 WINSTON-SALEM, NC 27102 | SUN LIFE ASSURANCE COMPANY OF CANADA | $24K | — | $24K | 10.08% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 1.56% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3201 BEECHLEAF CT STE 200 RALEIGH, NC 27604 | USABLE LIFE | $24K | $389 | $24K | 16.18% |
| MOSAIC GROUP SERVICES3 | 1822-B N VIRGINIA DARE TRAIL KILL DEVIL HILLS, NC 27948 | USABLE LIFE | $14K | — | $14K | 9.48% |
| MCGRIFF INSURANCE SERVICES INC3 | 101 N. CHERRY ST SUITE 500 WINSTON SALEM, NC 27101 | HCC LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 9040 TOWN CENTER PKWY SUITE 200 LAKEWOOD RANCH, FL 34202 | TELADOC, INC. | $2K | — | $2K | 15.00% |
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 | 353 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 280 | $51K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 223 | $237K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 185 | $25K |
| Life insurance | USABLE LIFE | 354 | $149K |
| Short-term disability | USABLE LIFE | 354 | $149K |
| Long-term disability | USABLE LIFE | 354 | $149K |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 354 | $437K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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.