| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 3318 W FRIENDLY AVE STE 400 GREENSBORO, NC 27410 | AMERICAN UNITED LIFE INSURANCE COMPANY | $10K | — | $10K | 10.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 500 DALLAS ST SUITE 1500 HOUSTON, TX 77002 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | $2K | $5K | 4.87% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC | PO BOX 23127 COLUMBIA, SC 23127 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $5K | $5K | 4.50% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | STANDARD INSURANCE COMPANY | $2K | $860 | $3K | 15.24% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 10.20% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 7701 AIRPORT CENTER DR, SUITE 1800 GREENSBORO, NC 27409 | STANDARD INSURANCE COMPANY | $292 | — | $292 | 1.36% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | PO BOX 896620 CHARLOTTE, AA 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 5917.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $189 | — | $189 | 1111.76% |
| THE BENEFIT COMPANY INC3 | PO BOX 23127 COLUMBIA, SC 29224 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $51 | — | $51 | 300.00% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 115 | $17 |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 122 | $103K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 122 | $103K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 122 | $103K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 122 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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."
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.