| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 3318 WEST FRIENDLY AVE SUITE 400 GREENSBORO, NC 27410 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $87K | — | $87K | 2.97% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29211 | SYMETRA LIFE INSURANCE COMPANY | $19K | — | $19K | 7.77% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | 4615 UNIVERSITY DR DURHAM, NC 27707 | SYMETRA LIFE INSURANCE COMPANY | $12K | — | $12K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | SYMETRA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 2.81% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $33 | $3K | 9.23% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | METROPOLITAN LIFE INSURANCE COMPANY | — | $413 | $413 | 1.14% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 17.83% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 17.49% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 12.32% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 12.22% |
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 | 423 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 665 | $2.9M |
| Dental | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 665 | $2.9M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 466 | $36K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 423 | $238K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 423 | $238K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 423 | $238K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 665 | $2.9M |
| Other(3 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 423 | $296K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 665 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.