| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 47 AIRPARK CT GREENVILLE, SC 296076188 | PRINCIPAL LIFE INSURANCE COMPANY | $46K | — | $46K | 19.16% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | PO BOX 2291 DURHAM, NC 277022291 | PRINCIPAL LIFE INSURANCE COMPANY | — | $11K | $11K | 4.46% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA SC, SC 292216486 | PRINCIPAL LIFE INSURANCE COMPANY | $571 | $7K | $8K | 3.33% |
| MCGRIFF INSURANCE SERVICES INC3 | 3150 S MAIN ST HARRISONBURG, VA 228012670 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.76% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE GREENSBORO, NC 274099047 | PRINCIPAL LIFE INSURANCE COMPANY | — | $976 | $976 | 0.41% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.09% |
| BURCHFIELD INSURANCE GROUP INC3 Filed as: BURCHFIELD INS GRP INC | PO BOX 3414 CONCORD, NC 28025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $126 | $2K | 3.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: UNHUI KIM BROWN | PO BOX 1722 DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.94% |
| FRANCES LYNN MCCARTER3 | 10331 LINKSLAND DRIVE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $910 | $373 | $1K | 2.73% |
| LINDA P COLEMAN3 | 18908 RIVERWIND LN DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $910 | — | $910 | 1.94% |
| DONNA N DWYER3 | 1003 WALLBURG HIGH POINT RD HIGH POINT, NC 27265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $604 | $250 | $854 | 1.82% |
| TONI E STEED LLC3 | 11218 WARFIELD AVE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $541 | $10 | $551 | 1.17% |
| PHILLIP MCHONE3 | 1233 VILLAGE DR YADKINVILLE, NC 27055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $356 | — | $356 | 0.76% |
| JONATHAN RODNEY MORRIS3 | 1947 OLD NATION RD FORT MILL, SC 29715 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $301 | — | $301 | 0.64% |
| PHIL COLEMAN3 | 18908 RIVERWIND LANE DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $168 | — | $168 | 0.36% |
| JANE S WHICKER3 | 215 ESSEX FARM RD ADVANCE, NC 27006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | — | $115 | 0.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | PO BOX 896620 CHARLOTTE, NC 28289 | COMMUNITY EYE CARE | $3K | — | $3K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | USABLE LIFE | $1K | — | $1K | 10.60% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 155 | $1.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 189 | $241K |
| Vision | COMMUNITY EYE CARE | 140 | $26K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 189 | $251K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 189 | $241K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 189 | $241K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 155 | $1.0M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 155 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.