| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 4309 EMPEROR BLVD SUITE 300 DURHAM, NC 27703 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $387 | — | $387 | 0.03% |
| MCGRIFF INSURANCE SERVICES INC3 | 628 GREEN VALLEY RD STE 304 GREENSBORO, NC 27408 | HARTFORD LIFE AND ACCIDENT | $9K | $2K | $11K | 9.82% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | 4611 UNIVERSITY DR DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | — | $7K | $7K | 6.42% |
| MCGRIFF INSURANCE SERVICES INC3 | 4309 EMPEROR BLVD, STE 300 DURHAM, NC 27703 | HARTFORD LIFE AND ACCIDENT | $972 | — | $972 | 0.83% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | HARTFORD LIFE AND ACCIDENT | $972 | — | $972 | 0.83% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 1847 WILSON, NC 27894 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | — | $10K | 9.54% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.17% |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 202 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 236 | $100K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 236 | $100K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 134 | $117K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 134 | $117K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 134 | $117K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 202 | $1.1M |
| Other | HARTFORD LIFE AND ACCIDENT | 134 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.