| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | — | DELTA DENTAL OF NORTH CAROLINA | — | $3K | $3K | 2.69% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 14.02% |
| MCGRIFF INSURANCE SERVICES INC3 | — | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $824 | — | $824 | 10.00% |
| NANCY H GULLIE4 | — | PREPAID LEGAL SERVICES INC DBA LEGAL SHIELD | $521 | — | $521 | 10.78% |
| AARON N CLINARD4 | — | PREPAID LEGAL SERVICES INC DBA LEGAL SHIELD | $456 | — | $456 | 9.44% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $343 | — | $343 | 9.99% |
| MCGRIFF INSURANCE SERVICES INC3 | — | HARTFORD LIFE AND ACCIDENT | $345 | — | $345 | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX INC EIN 33-0441200 PHARMACY BENEFIT MANAGE | Direct payment from the plan; Other fees; Float revenue; Claims processing Service code 12 | — | $507K |
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $83K |
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 | 293 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 408 | $93K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 232 | $28K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 327 | $48K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 251 | $104K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 234 | $53K |
| Other(3 contracts, 3 carriers) | PREPAID LEGAL SERVICES INC DBA LEGAL SHIELD | 239 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 408 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.