| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $35K | — | $35K | 9.83% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 414 GALLIMORE DAIRY ROAD STE F GREENSBORO, NC 27409 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.00% |
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF INSURANCE SERVICES | 5925 CARNEGIE BLVD STE 400 CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $2K | $27K | 22.00% |
| IBENEFIT COMMUNICATION LLC Filed as: IBENEFIT COMMUNICATION | 131 HILLSIDE AVE CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $44K | $4K | $48K | 49.41% |
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF INSURANCE SERVICES CHARLOTT | 5925 CARNEGIE BLVD STE 400 CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $2K | $20K | 21.27% |
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF INSURANCE SERVICES | 5925 CARNEGIE BLVD STE 400 CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $1K | $15K | 22.00% |
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 | 908 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 913 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTH CARE INSURANCE COMPANY | 913 | $2.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 736 | $359K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 736 | $359K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 752 | $121K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 593 | $96K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 752 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 913 | — |
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.