| 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 | $74K | $10K | $83K | 12.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 550 S CALDWELL ST CHARLOTTE, NC 28202 | RELIASTAR LIFE INSURANCE COMPANY | $63K | $5K | $67K | 9.80% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD STE 405 SCOTTSDALE, AZ 85255 | RELIASTAR LIFE INSURANCE COMPANY | $14K | $28K | $42K | 7.50% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | DELTA DENTAL OF NORTH CAROLINA | $21K | — | $21K | 8.85% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $2K | — | $2K | 2.71% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | VISION SERVICE PLAN | $1K | — | $1K | 1.79% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 4309 EMPEROR BLVD STE 300 DURHAM, NC 27703 | TELADOC HEALTH, INC. | — | — | $0 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 4309 EMPEROR BLVD STE 300 DURHAM, NC 27703 | TELADOC HEALTH, INC. | — | — | $0 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 4309 EMPEROR BLVD STE 300 DURHAM, NC 27703 | TELADOC HEALTH, INC. | — | — | $0 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 4309 EMPEROR BLVD STE 300 DURHAM, NC 27703 | TELADOC HEALTH, INC. | — | — | $0 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 4309 EMPEROR BLVD STE 300 DURHAM, NC 27703 | TELADOC HEALTH, INC. | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHGRAM, INC EIN 56-1449504 BENEFIT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $181K |
| CIGNA CORPORATION EIN 59-1031071 BENEFIT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $60K |
| DELTA DENTAL OF NORTH CAROLINA EIN 56-1018068 BENEFIT ADMINISTRATOR | Contract Administrator; Insurance agents and brokers; Claims processing Service code 12 | — | $19K |
| MCGRIFF INSURANCE SERVICES, LLC EIN 56-1623293 BENEFIT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $8K |
| CAREOPERATIVE, LLC EIN 20-8981027 BENEFIT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $7K |
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 | 743 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 743 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 743 | $235K |
| Vision | VISION SERVICE PLAN | 422 | $62K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 738 | $688K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 738 | $688K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 738 | $688K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 400 | $565K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 738 | $688K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 743 | — |
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.