| 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 | $18K | $35K | $53K | 26.85% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.91% |
| MCGRIFF INSURANCE SERVICES INC3 | 3318 W. FRIENDLY AVE. STE. 400 GREENSBORO, NC 27410 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | $1K | $4K | 15.88% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 3318 W. FRIENDLY AVE. STE. 400 GREENSBORO, NC 27410 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 20.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282171964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $933 | $0 | $933 | 13.02% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $672 | $0 | $672 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INS COMPANY EIN 59-1031071 NONE | Contract Administrator; Participant communication; Named fiduciary; Claims processing; Non-monetary compensation; Direct payment from the plan; Float revenue; Other services Service code 12 | — | $17K |
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 | 166 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 166 | $196K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 111 | $54K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 81 | $7K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 141 | $25K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 141 | $25K |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 141 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.