| 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 | $26K | — | $26K | 1.97% |
| MCGRIFF INSURANCE SERVICES INC3 | MOORE COUNTY 7701 AIRPORT CENTER DR GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | $19K | — | $19K | 13.31% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | PO BOX 2291 DURHAM, NC 277022291 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 4.99% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 292216486 | PRINCIPAL LIFE INSURANCE COMPANY | — | $6K | $6K | 4.48% |
| MCGRIFF INSURANCE SERVICES INC3 | BARGER INSURANCE NETWORK 7701 AIRPORT CENTER DR GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | — | $698 | $698 | 0.49% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 282896620 | AMERITAS | $7K | — | $7K | 7.22% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 292216486 | AMERITAS | $2K | — | $2K | 1.79% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3318 W FRIENDLY AVE FL 2 GREENSBORO, NC 274104884 | AMERITAS | $920 | — | $920 | 0.99% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 214 N TRYON ST. STE 46 CHARLOTTE, NC 28202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 15.13% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | 3800 FERNANDINA ROAD STE 120 COLUMBIA, SC 29210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 15.13% |
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 | 163 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 179 | $1.3M |
| Dental | AMERITAS | 365 | $93K |
| Vision | AMERITAS | 365 | $93K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 250 | $142K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 250 | $142K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 179 | $1.3M |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 365 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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.