| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 274099047 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $45K | $45K | 4.15% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 3605 GLENWOOD AVE, STE 201 RALEIGH, NC 27612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $5K | $9K | 8.54% |
| MCGRIFF INSURANCE SERVICES INC3 | 3318 WEST FRIENDLY AVENUE GREENSBORO, NC 27410 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.37% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY RD, STE F GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $729 | $729 | 1.99% |
| MCGRIFF INSURANCE SERVICES INC3 | P.O. BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $674 | — | $674 | 1.84% |
| MCGRIFF INSURANCE SERVICES INC3 | 3318 WEST FRIENDLY AVENUE GREENSBORO, NC 27410 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 8.28% |
| MCGRIFF INSURANCE SERVICES INC3 | P.O. BOX 896620 SUITE F CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $995 | — | $995 | 3.25% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY RD, STE F GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $606 | $606 | 1.98% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | P.O. BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $1K | — | $1K | 5.29% |
| MCGRIFF INSURANCE SERVICES INC3 | 3318 WEST FRIENDLY AVE GREENSBORO, NC 27410 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.97% |
| MCGRIFF INSURANCE SERVICES INC3 | P.O. BOX 896620 CHARLOTTE, NC 282866620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $853 | — | $853 | 5.04% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY RD, STE F GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $320 | $320 | 1.89% |
| MCGRIFF INSURANCE SERVICES INC3 | 3318 WEST FRIENDLY AVE GREENSBORO, NC 27410 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.04% |
| MCGRIFF INSURANCE SERVICES INC3 | P.O. BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $654 | — | $654 | 5.07% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY RD, STE F GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $243 | $243 | 1.88% |
| STEPHANIE PRICE3 | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 13.61% |
| ERIC A RITTER3 Filed as: ERIC A. RITTER | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $704 | — | $704 | 5.86% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES, INC. | PO BOX 1276 SHALLOTTE, NC 28459 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $640 | — | $640 | 5.33% |
| ANDY C. HESTER3 | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $131 | — | $131 | 1.09% |
| ANN MARIE COOPER3 | 101 LANIER LANDING COURT CAROLINA BEACH, NC 28428 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $129 | — | $129 | 1.07% |
| DAVID R. CONNOR3 | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $78 | — | $78 | 0.65% |
| BB&T INSURANCE SERVICES, INC.4 Filed as: BB&T INSURANCE SERVICES | 2000 CENTER POINT RD. SUITE 2400 COLUMBIA, SC 29210 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $711 | — | $711 | 31.01% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 197 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $106K |
| Vision | VISION SERVICE PLAN | 86 | $22K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 129 | $66K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 66 | $13K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 129 | $31K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 129 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.