| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLAKE V WELLER3 Filed as: BLAKE WELLER | 4116 DOGWOOD DRIVE GREENSBORO, NC 27410 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $57K | — | $57K | 2.83% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 3318 W FRIENDLY AVE STE 400 GREENSBORO, NC 274104885 | AMERITAS LIFE INSURANCE CORP | $12K | — | $12K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 47 AIRPARK CT PO BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP | — | $4K | $4K | 3.03% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS LLC | 3318 W FRIENDLY AVE STE 200 GREENSBORO, NC 27410 | AMERICAN UNITED LIFE INSURANCE COMPANY | $6K | $3K | $9K | 15.92% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 247 | $2.0M |
| Dental | AMERITAS LIFE INSURANCE CORP | 563 | $116K |
| Vision | AMERITAS LIFE INSURANCE CORP | 563 | $116K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 124 | $56K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 124 | $56K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 124 | $56K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 247 | $2.0M |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 124 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 563 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.