| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES - DURHAM | PO BOX 12941 RESEARCH TRIANGLE PARK, NC 27709 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $18K | $18K | 2.22% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 4309 EMPEROR BLVD STE 300 DURHAM, NC 277038046 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 10.90% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | — | $5K | $5K | 8.27% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | PO BOX 2291 DURHAM, NC 277022291 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $405 | $3K | 5.68% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP INC. | 1612 MARION ST FL 4 COLUMBIA, SC 292012938 | PRINCIPAL LIFE INSURANCE COMPANY | — | $515 | $515 | 0.93% |
| MCGRIFF INSURANCE SERVICES INC3 | 543 EVANS ST GREENVILLE, NC 27858 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $655 | $10K | 27.34% |
| THE CASON GROUP INC3 | 1612 MARION ST FOURTH FLOOR COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $2K | $9K | 23.80% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 72 | $813K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 179 | $55K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 179 | $55K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 179 | $55K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 146 | $36K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 146 | $36K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 179 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.