| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE STE 201 RALEIGH, NC 27612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | $10K | $32K | 14.36% |
| THE BENEFIT COMPANY INC3 | 3800 FERNANDINA RD STE 200 COLUMBIA, SC 29221 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.20% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | USABLE LIFE | $32K | $500 | $33K | 15.23% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $11K | — | $11K | 4.94% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE STE 201 RALEIGH, NC 27612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 12.50% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE STE 190 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE | $10K | — | $10K | 22.29% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE | $2K | — | $2K | 4.98% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 250 WEST 1ST STREET STE 100 WINSTON-SALEM, NE 27101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 15.73% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $845 | — | $845 | 14.99% |
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 | 437 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 593 | $2.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 487 | $220K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 606 | $32K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 475 | $286K |
| Short-term disability | USABLE LIFE | 475 | $216K |
| Long-term disability | USABLE LIFE | 475 | $216K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 593 | $2.9M |
| Other(3 contracts, 3 carriers) | USABLE LIFE | 475 | $267K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 606 | — |
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.