| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD J WELLS3 | 250 W 1ST ST, STE 100 WINSTON SALEM, NC 271014010 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $1K | — | $1K | 0.11% |
| RICHARD J WELLS3 | 250 W. 1ST STREET SUITE 100 WINSTON SALEM, NC 27101 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | — | $271 | $271 | 0.03% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 250 W FIRST ST #100 PO BOX 168 WINSTON-SALEM, NC 271020168 | AMERITAS LIFE INSURANCE CORP. | $6K | — | $6K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 47 AIRPARK CT PO BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP. | — | $2K | $2K | 3.27% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY RD, STE F GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $607 | $3K | 9.25% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.57% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 211486 COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $792 | $792 | 2.38% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 6.64% |
| SELECT BNFT SOLUTION LLC3 Filed as: SELECT BENEFIT SOLUTIONS.LLC | P.O. BOX 1370 MT. PLEASANT, SC 29465 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 6.41% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DRIVE SUITE 602 DURHAM, NC 27707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $295 | — | $295 | 0.95% |
| JANE W BARNHILL3 Filed as: JANE W. BANRHILL | 3721 HUDSON ROAD MASCOT, TN 37806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| CATHERINE L LEE3 Filed as: CATHERINE LEE | 10 NUN STREET WILMINGTON, NC 28401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| LAUREN E SKINNER3 | 204 ARLINGTON BLVD SUITE C GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVC INC | P.O. BOX 896620 CHARLOTTE, NC 28217 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 11.09% |
| SELECT BNFT SOLUTION LLC3 | PO BOX 1370 MT PLEASANT, SC 29465 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 10.98% |
| SELECT BENEFIT SOLUTION LLC3 | PO BOX 1370 MT. PLEASANT, SC 29465 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $701 | — | $701 | 5.20% |
| AON CONSULTING INC3 Filed as: ALLSTATE HEWITT | 1776 AHL DR JACKONSVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $697 | — | $697 | 5.17% |
| BRIDGETT DAIL3 | 8224 YAXLEY HALL DR RALEIGH, NC 27616 | AFLAC | $219 | — | $219 | 2.76% |
| ELIZABETH MANGUM3 Filed as: ELIZABETH W MANGUM | 3919 WENTWORTH DR DURHAM, NC 27707 | AFLAC | $210 | — | $210 | 2.64% |
| TEATOR'S INS PROTECTION SERVICES3 Filed as: TEATOR'S INS PROTECTION SRVCS | 524 TROUTWOOD PL FUQUAY VARINA, NC 27526 | AFLAC | $195 | — | $195 | 2.46% |
| STEPHANIE L HONEYCUTT3 | 9510 LOST KEY CT RALEIGH, NC 27617 | AFLAC | $64 | — | $64 | 0.81% |
| WILLIAM P FLEMING3 | 1511 BRENTWOOD PL MORGANTON, NC 28655 | AFLAC | $38 | — | $38 | 0.48% |
| LARRY A WESTON JR3 | 321 WINDSOR RD GREENVILLE, NC 27858 | AFLAC | $35 | — | $35 | 0.44% |
| ALISON W GUTHRIE3 | 309 BARONET BEND DRIVE CARY, NC 27513 | AFLAC | $22 | — | $22 | 0.28% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $17 | — | $17 | 0.21% |
| JERRY OLIVER CREECH3 | 5915 SANTO DOMINGO CT NEW BERN, NC 28560 | AFLAC | $11 | — | $11 | 0.14% |
| ROBERT HUSTON3 | 1711 HIGHWAY 17 S UNIT 759 SURFSIDE BEACH, SC 29575 | AFLAC | $8 | — | $8 | 0.10% |
| JILL R LAMBERT3 Filed as: JILL W. DENTON | 3500 WESTGATE DRIVE SUITE 602 DURHAM, NC 27707 | AFLAC | $7 | — | $7 | 0.09% |
| GORDON K VANN3 | 2156 WESLEY LANE GREENVILLE, NC 27858 | AFLAC | $5 | — | $5 | 0.06% |
| LAUREN E SKINNER3 | 1225 NORRIS STREET RALEIGH, NC 27604 | AFLAC | $5 | — | $5 | 0.06% |
| K EARLE ABERNETHY3 | 2902 SHERYL DRIVE KINSTON, NC 28504 | AFLAC | $3 | — | $3 | 0.04% |
| STEPHEN STRICKLAND3 | 147 WARREN DR ROANOKE RAPIDS, NC 27870 | AFLAC | $1 | — | $1 | 0.01% |
| 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 | $68 | $4 | $72 | 2.89% |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 153 | $1.0M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 334 | $62K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 209 | $1.0M |
| Life insurance(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 152 | $86K |
| Short-term disability | AFLAC | 15 | $8K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 153 | $1.0M |
| Other(6 contracts, 5 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 152 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.