| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 110 SOUTH STRATFORD ROAD SUITE 303 WINSTON SALEM, NC 27104 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $13K | $13K | 9.02% |
| STOVALL & ASSOCIATES INC.4 Filed as: STOVALL & ASSOCIATES, INC. | 114 MARITIME CT. CHOCOWINITY, NC 278177905 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | — | $1K | 13.61% |
| MCGRIFF INSURANCE SERVICES INC4 Filed as: MCGRIFF INSURANCE SERVICES | 214 N TYRON ST FLOOR 46 CHARLOTTE, NC 28202 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $174 | — | $174 | 2.37% |
| LENWOOD MURPHY JR.4 Filed as: LENWOOD M MURPHY | 1703 SUNSET AVE KINSTON, NC 285042549 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $69 | — | $69 | 0.94% |
| RUTH A ANDERSON4 | 331 S FAYETTEVILLE ST CLAYTON, NC 275202434 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $23 | — | $23 | 0.31% |
| GLOBAL UNDERWRITERS AGCY INC3 Filed as: GLOBAL UNDERWRITERS | 3195 LINWOOD AVE SUITE 201 CINCINNATI, OH 45208 | ARCH INSURANCE COMPANY | $918 | — | $918 | 30.00% |
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 | 2,177 | 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) | 2,177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 4,758 | $743K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,349 | $144K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,349 | $144K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,349 | $144K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,349 | $144K |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,349 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,758 | — |
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.