| 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 271020168 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $24K | $24K | 4.18% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY ROAD #414 GREENSBORO, NC 27409 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 0.43% |
| BB&T INSURANCE SERVICES, INC.3 | 5925 CARNEGIE BLVD SUITE 400 CHARLOTTE, NC 282094659 | AMERITAS LIFE INSURANCE CORPORATION | $2K | — | $2K | 5.00% |
| BB&T INSURANCE SERVICES, INC.3 | 47 AIRPARK COURT PO BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORPORATION | — | $1K | $1K | 2.85% |
| BB&T INSURANCE SERVICES, INC.3 | P. O. BOX 168 WINSTON SALEM, NC 27102 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 13.93% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 123 | $576K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 189 | $41K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 189 | $41K |
| Life insurance | AETNA LIFE INSURANCE CO. | 201 | $39K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 201 | $39K |
| Other | AETNA LIFE INSURANCE CO. | 201 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.