| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLAKE V WELLER3 | 3318 WEST FRIENDLY AVE SUITE 400 GREENSBORO, NC 27410 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $16K | — | $16K | 0.82% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CTR DR SUITE 1800 GREENSBORO, NC 27409 | SYMETRA LIFE INSURANCE COMPANY | $34K | $4K | $39K | 16.89% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | 4615 UNIVERSITY DR DURHAM, NC 27707 | SYMETRA LIFE INSURANCE COMPANY | $11K | — | $11K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 3318 W FRIENDLY AVE STE 400 GREENSBORO, NC 27410 | AMERITAS LIFE INSURANCE CORP. | $9K | — | $9K | 4.48% |
| MCGRIFF INSURANCE SERVICES INC3 | 47 AIRPORT CT PO BOX 27149 GREENSVILLE, SC 29616 | AMERITAS LIFE INSURANCE CORP. | — | $5K | $5K | 2.59% |
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 | 292 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 255 | $1.9M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 488 | $203K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 488 | $203K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 330 | $228K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 330 | $228K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 255 | $1.9M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 330 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 488 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.