| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | DELTA DENTAL OF NORTH CAROLINA | $7K | — | $7K | 7.42% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT CO. INC. | P. O. BOX 211486 COLUMBIA, SC 29221 | DELTA DENTAL OF NORTH CAROLINA | $1K | — | $1K | 1.48% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3318 W FRIENDLY AVENUE GREENSBORO, NC 27410 | ONE AMERICA | $6K | — | $6K | 12.61% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | P. O.BOX 411486 COLUMBIA, SC 29221 | ONE AMERICA | — | $2K | $2K | 4.00% |
| BB&T INSURANCE SERVICES, INC.3 | 250 WEST FIRST STREET SUITE 100 WINSTON-SALEM, NC 27101 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 198 | $94K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 95 | $15K |
| Life insurance | ONE AMERICA | 133 | $45K |
| Long-term disability | ONE AMERICA | 133 | $45K |
| Other | ONE AMERICA | 133 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.
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.