| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC | 5925 CARNEGIE BLVD STE 400 CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | $2K | $30K | 0.28% |
| IBENEFIT COMMUNICATION LLC | ATTN PHILLIP GOODRUM 131 HILLSIDE AVE CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $16 | $3K | 0.03% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES | 4605 COLUMBUS ST VIRGINA BEACH, VA 23462 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $488 | $26 | $514 | 0.00% |
| CHARLES M MALESKI | 1787 SENTRY PARKWAY WEST SUITE 300 BLUE BELL, PA 19422 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $40K | — | $40K | 0.92% |
| MCGRIFF INSURANCE SERVICES INC3 | P O BOX 896620 CHARLOTTE, NC 282896620 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $18K | $3K | $21K | 5.43% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICE LLC | 1787 SENTRY PARKWAY W BLDG 16 STE 215 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | — | $20K | 5.20% |
| MCGRIFF INSURANCE SERVICES INC | 5925 CARNEGIE BLVD STE 400 CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $2K | $26K | 14.46% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES | 4605 COLUMBUS ST VIRGINA BEACH, VA 23462 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $460 | $13K | 7.11% |
| MCGRIFF INSURANCE SERVICES INC | 5925 CARNEGIE BLVD STE 400 CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $1K | $15K | 14.72% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES | 4605 COLUMBUS ST VIRGINIA BEACH, VA 23462 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $248 | $7K | 6.87% |
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 | 959 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 959 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 959 | $4.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 715 | $390K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 715 | $390K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 857 | $179K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 543 | $10.6M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 514 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 959 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.