| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AARON BENDER3 | 3318 W. FRIENDLY AVENUE SUITE 400 GREENSBORO, NC 27410 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $49K | $292 | $49K | 3.48% |
| SEE ATTACHED3 | — | AFLAC | $31K | $1K | $33K | 24.24% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE INC. | 3318 FRIENDLY AVENUE SUITE 400 GREENSBORO, NC 274104885 | AMERITAS | $7K | — | $7K | 7.69% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 47 AIRPARK CT PO BOX 27149 GREENVILLE, SC 296262149 | AMERITAS | $3K | — | $3K | 2.98% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 292216486 | AMERITAS | $2K | — | $2K | 2.31% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 250 W FIRST STATE SUITE 100 WINSTON-SALEM, NC 27101 | USABLE LIFE | $6K | $657 | $6K | 11.16% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $3K | — | $3K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 4309 EMPEROR BLVD SUITE 300 DURHAM, NC 27703 | TELADOC HEALTH | $770 | — | $770 | 12.73% |
| SEE ATTACHED3 | — | AFLAC | $515 | $107 | $622 | 26.24% |
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 | 149 | 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) | 152 | 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 | 172 | $1.4M |
| Dental | AMERITAS | 323 | $90K |
| Vision | AMERITAS | 323 | $90K |
| Life insurance | USABLE LIFE | 158 | $57K |
| Short-term disability | USABLE LIFE | 158 | $57K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 172 | $1.4M |
| Other(5 contracts, 4 carriers) | AFLAC | 323 | $289K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.