| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NICHOLAS LANE3 | 250 W FIRST ST WINSTON SALEM, NC 27401 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | — | $2K | $2K | 0.14% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 168 WINSTON-SALEM, NC 27102 | UNION SECURITY INSURANCE COMPANY | $9K | — | $9K | 10.02% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | PO BOX 211486 COLUMBIA, SC 29221 | UNION SECURITY INSURANCE COMPANY | — | $2K | $2K | 2.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 10.16% |
| SELECT BNFT SOLUTION LLC3 Filed as: SELECT BENEFIT SOLUTIONS LLC | PO BOX 1370 MT PLEASANT, SC 29465 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 8.54% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DR #602 DURHAM, NC 27707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $410 | — | $410 | 1.32% |
| JANE W BARNHILL3 | 3721 HUDSON ROAD MASCOT, TN 37806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| LAUREN E SKINNER3 | 204 E ARLINGON BLVD GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| CATHERINE L LEE3 | 10 NUN ST WILMINGTON, NC 28401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| SELECT BENEFIT SOLUTION LLC3 | PO BOX 1370 MT. PLEASANT, SC 29465 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $554 | — | $554 | 5.05% |
| AON CONSULTING INC3 Filed as: ALLSTATE HEWITT | 1776 AHL DR JACKONSVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $543 | — | $543 | 4.95% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVC INC | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $819 | — | $819 | 7.91% |
| SELECT BNFT SOLUTION LLC3 | PO BOX 1370 MT PLEASANT, SC 29465 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $812 | — | $812 | 7.84% |
| BRIDGETT DAIL3 | 8224 YAXLEY HALL DR RALEIGH, NC 27616 | AFLAC | $266 | — | $266 | 2.61% |
| ELIZABETH MANGUM3 Filed as: ELIZABETH W MANGUM | 3919 WENTWORTH DR DURHAM, NC 27707 | AFLAC | $232 | — | $232 | 2.28% |
| TEATOR'S INS PROTECTION SERVICES3 | 524 TROUTWOOD PL FUQUAY VARINA, NC 27526 | AFLAC | $194 | — | $194 | 1.90% |
| STEPHANIE L HONEYCUTT3 | 220 EATONDALE RD, APT 2 DURHAM, NC 27704 | AFLAC | $99 | — | $99 | 0.97% |
| LARRY A WESTON JR3 | 321 WINDSOR RD GREENVALE, NC 27858 | AFLAC | $42 | — | $42 | 0.41% |
| WILLIAM P FLEMING3 | 1511 BRENTWOOD PL MORGANTON, NC 28655 | AFLAC | $41 | — | $41 | 0.40% |
| CHERI W SCOTT3 | 190 WILKINS ONEAL RD FOUR OAKS, NC 27524 | AFLAC | $33 | — | $33 | 0.32% |
| TRIANGLE INSURANCE & BENEFITS3 Filed as: TRIANGLE INSURANCE & BENEFITS INC | PO BOX 410 SMITHFIELD, NC 27577 | AFLAC | $28 | — | $28 | 0.27% |
| JOAN ELLEN HUSTON3 | 22 N ROUNDABOUT DR APT 100 GARNER, NC 27529 | AFLAC | $26 | — | $26 | 0.26% |
| ALLISON W GUTHRIE3 | 113 GRANDE DR MORRISVILLE, NC 27560 | AFLAC | $18 | — | $18 | 0.18% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $17 | — | $17 | 0.17% |
| LAWRENCE BENEFITS INC3 | 1112 HARP ST RALEIGH, NC 27604 | AFLAC | $16 | — | $16 | 0.16% |
| JERRY OLIVER CREECH3 | 5915 SANTO DOMINGO CT NEW BERN, NC 28560 | AFLAC | $15 | — | $15 | 0.15% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DR STE 602 DURHAM, NC 27707 | AFLAC | $9 | — | $9 | 0.09% |
| J KYLE LAWRENCE3 | 4900 LIBBIE MILL EAST BLVD STE 100 RICHMOND, VA 23230 | AFLAC | $9 | — | $9 | 0.09% |
| ROBERT HUSTON3 | 1711 HIGHWAY 17 S UNIT 759 SURFSIDE BEACH, SC 29575 | AFLAC | $8 | — | $8 | 0.08% |
| STEPHEN W CROTTS SR3 | 514 E 3RD ST UNIT C SILER CITY, NC 27344 | AFLAC | $7 | — | $7 | 0.07% |
| GORDON K VANN3 | 2156 WESLEY LANE GREENVILLE, NC 27858 | AFLAC | $6 | — | $6 | 0.06% |
| LAUREN E SKINNER3 | 1225 NORRIS ST RALEIGH, NC 27604 | AFLAC | $5 | — | $5 | 0.05% |
| JERRY OLIVER CREECH3 | 233 MIDDLE ST STE 107A NEW BERN, NC 28560 | AFLAC | $4 | — | $4 | 0.04% |
| K EARLE ABERNETHY3 | 2902 SHERYL DRIVE KINSTON, NC 28504 | AFLAC | $4 | — | $4 | 0.04% |
| J MICHAEL BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $3 | — | $3 | 0.03% |
| ALISON W GUTHRIE3 | 309 BARONET BEND DR CARY, NC 27513 | AFLAC | $2 | — | $2 | 0.02% |
| ALISON W GUTHRIE3 | 309 BARONET BEND DR CARY, NC 27513 | AFLAC | $2 | — | $2 | 0.02% |
| STEPHEN STRICKLAND3 | 147 WARREN DR ROANOKE RAPIDS, NC 27870 | AFLAC | $1 | — | $1 | 0.01% |
| STEPHEN STRICKLAND3 | 147 WARREN DR ROANOKE RAPIDS, NC 27870 | AFLAC | $1 | — | $1 | 0.01% |
| LESLIE E GORDON3 | 250 W. 1ST ST. WINSTON SALEM, NC 271014010 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | — | $1K | $1K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES - WILMIN | 1111 MILITARY CUTOFF ROAD SUITE 221 WILMINGTON, NC 28405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $91 | — | $91 | 3.29% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS INC | 3605 GLENWOOD AVE RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $174 | — | $174 | 8.81% |
| SELECT BENEFIT SOLUTION LLC3 | PO BOX 1370 MT PLEASANT, SC 29465 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $171 | — | $171 | 8.66% |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 149 | $1.1M |
| Dental | UNION SECURITY INSURANCE COMPANY | 147 | $92K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 149 | $10K |
| Life insurance(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 147 | $114K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 124 | $41K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 149 | $1.1M |
| Other(7 contracts, 5 carriers) | UNION SECURITY INSURANCE COMPANY | 147 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.