| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 3318 W. FRIENDLY AVE. STE. 400 GREENSBORO, NC 27410 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $38K | $32K | $70K | 17.25% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | $560 | $10K | 10.49% |
| MCGRIFF INSURANCE SERVICES INC3 | 250 W 1ST ST, SUITE 100 WINSTON-SALEM, NC 27102 | AMERICAN UNITED LIFE INSURANCE COMPANY | $7K | $4K | $11K | 20.29% |
| THE BENEFIT COMPANY INC3 | 3800 FERNANDINA RD, SUITE 200 COLUMBIA, SC 29210 | AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.03% |
| MCGRIFF INSURANCE SERVICES INC3 | 3318 W. FRIENDLY AVE. STE. 400 GREENSBORO, NC 27410 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 19.42% |
| MCGRIFF INSURANCE SERVICES INC3 | 3318 W. FRIENDLY AVE. STE. 400 GREENSBORO, NC 27410 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $960 | $0 | $960 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INS COMPANY EIN 59-1031071 NONE | Float revenue; Participant communication; Other services; Non-monetary compensation; Direct payment from the plan; Claims processing; Named fiduciary; Contract Administrator Service code 12 | — | $9K |
| FLORES AND ASSOCIATES EIN 56-1542307 NONE | Legal Service code 29 | — | $8K |
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 | 167 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 167 | $405K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 108 | $96K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 73 | $10K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 141 | $54K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 141 | $54K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 141 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.