| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 5925 CARNEGIE BLVD STE 400 CHARLOTTE, NC 28209 | AMERITAS LIFE INSURANCE CORP | $14K | — | $14K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 47 AIRPARK CT PO BOX 27149 GREENVILLE, SC 29616 | AMERITAS LIFE INSURANCE CORP | — | $3K | $3K | 1.02% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | USABLE LIFE | $41K | $8K | $49K | 17.95% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $13K | — | $13K | 4.88% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 20.66% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.67% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 250 WEST 1ST STREET STE 100 WINSTON-SALEM, NC 27101 | EYEMED VISION CARE OBO FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 12.97% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 12.50% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 628 GREEN VALLEY RD STE 304 GREENSBORO, NC 27408 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $898 | $70 | $968 | 16.17% |
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 | 737 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 742 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 698 | $4.2M |
| Dental | AMERITAS LIFE INSURANCE CORP | 1,258 | $286K |
| Vision | EYEMED VISION CARE OBO FIDELITY SECURITY LIFE INSURANCE COMPANY | 708 | $42K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 538 | $298K |
| Short-term disability | USABLE LIFE | 538 | $274K |
| Long-term disability | USABLE LIFE | 538 | $274K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 698 | $4.2M |
| Other(3 contracts, 3 carriers) | USABLE LIFE | 737 | $329K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,258 | — |
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.