| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 4309 EMPEROR BLVD STE 300 DURHAM, NC 27703 | RELIASTAR LIFE INSURANCE COMPANY | $82K | $14K | $96K | 14.58% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD STE 405 SCOTTSDALE, AZ 85255 | RELIASTAR LIFE INSURANCE COMPANY | $13K | $25K | $38K | 7.52% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | DELTA DENTAL OF NORTH CAROLINA | $21K | — | $21K | 8.56% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $2K | — | $2K | 3.23% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 4309 EMPEROR BLVD STE 300 DURHAM, NC 27703 | TELADOC HEALTH, INC. | $3K | — | $3K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 4309 EMPEROR BLVD STE 300 DURHAM, NC 27703 | TELADOC HEALTH, INC. | $371 | — | $371 | 15.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 4309 EMPEROR BLVD STE 300 DURHAM, NC 27703 | TELADOC HEALTH, INC. | $114 | — | $114 | 14.98% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 4309 EMPEROR BLVD STE 300 DURHAM, NC 27703 | TELADOC HEALTH, INC. | $101 | — | $101 | 14.99% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 4309 EMPEROR BLVD STE 300 DURHAM, NC 27703 | TELADOC HEALTH, INC. | $81 | — | $81 | 15.03% |
| LEWIS B FREIBERG3 | 4309 EMPEROR BLVD STE 300 DURHAM, NC 27703 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $59K | — | $59K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF NORTH CAROLINA EIN 56-1018068 BENEFIT ADMINISTRATOR | Claims processing; Insurance agents and brokers; Contract Administrator Service code 12 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | $20K |
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 | 794 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 794 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 607 | $0 |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 794 | $249K |
| Vision | VISION SERVICE PLAN | 448 | $65K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 736 | $661K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 736 | $661K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 736 | $661K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 418 | $506K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 736 | $661K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 794 | — |
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.