| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 274099693 | RELIASTAR LIFE INSURANCE COMPANY | $73K | $13K | $86K | 14.95% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 4309 EMPEROR BLVD. SUITE 300 DURHAM, NC 27703 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $92K | — | $92K | 22.87% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 274099693 | DELTA DENTAL OF NORTH CAROLINA | $21K | $0 | $21K | 9.50% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $2K | — | $2K | 3.35% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 274099693 | TELADOC HEALTH, INC. | $2K | — | $2K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 4309 EMPEROR BLVD. SUITE 300 DURHAM, NC 27703 | TELADOC HEALTH, INC. | $392 | — | $392 | 15.02% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | TELADOC HEALTH, INC. | $134 | — | $134 | 15.02% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 4309 EMPEROR BLVD. SUITE 300 DURHAM, NC 27703 | TELADOC HEALTH, INC. | $110 | — | $110 | 15.05% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 4309 EMPEROR BLVD. SUITE 300 DURHAM, NC 27703 | TELADOC HEALTH, INC. | $99 | — | $99 | 14.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MCGRIFF INSURANCE SERVICES AGENT/AGENCY | Insurance agents and brokers Service code 22 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | $21K |
| DELTA DENTAL OF NORTH CAROLINA EIN 56-1018068 BENEFIT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | $18K |
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 | 731 | 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) | 731 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 602 | $402K |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 731 | $223K |
| Vision | VISION SERVICE PLAN | 395 | $60K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 683 | $573K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 683 | $573K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 683 | $573K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 683 | $573K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 731 | — |
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.