| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALLECE H. DAWSON3 | 4325 LAKE BOONE TRAIL SUITE 200 RALEIGH, NC 27607 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $24K | — | $24K | 2.45% |
| AARON BENDER3 | 3318 W. FRIENDLY AVENUE SUITE 400 GREENSBORO, NC 27410 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $15K | — | $15K | 1.51% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 303395946 | HUMANA INSURANCE COMPANY | $4K | $4K | $8K | 13.44% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INUSARANCE SERVICE INC. | 3605 GLENWOOD AVENUE RALEIGH, NC 276124594 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 2.57% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | USABLE LIFE | $2K | — | $2K | 6.55% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | — | $2K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | USABLE LIFE | $1K | — | $1K | 3.45% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY ST. SUITE 1950 ATLANTA, GA 30339 | TELADOC HEALTH | $562 | — | $562 | 11.04% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | TELADOC HEALTH | $502 | — | $502 | 9.86% |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 158 | $1.0M |
| Dental | HUMANA INSURANCE COMPANY | 104 | $56K |
| Vision | HUMANA INSURANCE COMPANY | 104 | $56K |
| Life insurance | USABLE LIFE | 107 | $32K |
| Short-term disability | USABLE LIFE | 107 | $32K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 158 | $995K |
| Other | USABLE LIFE | 107 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.
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.