| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | MOORE COUNTY 7701 AIRPORT CENTER DR GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | $29K | $1K | $30K | 12.93% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | PO BOX 2291 DURHAM, NC 27702 | PRINCIPAL LIFE INSURANCE COMPANY | — | $12K | $12K | 4.99% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY INC. | PO BOX 211486 COLUMBIA, SC 29221 | PRINCIPAL LIFE INSURANCE COMPANY | — | $7K | $7K | 3.06% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. BAR | 3150 S. MAIN ST. HARRISONBURG, VA 22801 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.84% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3318 W FRIENDLY AVE FL 2 GREENSBORO, NC 274104884 | AMERITAS LIFE INSURANCE CORPORATION | $11K | — | $11K | 8.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 47 AIRPARK CT PO BOX 27149 GREENVILLE, SC 29616 | AMERITAS LIFE INSURANCE CORPORATION | — | $4K | $4K | 2.62% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 292216486 | AMERITAS LIFE INSURANCE CORPORATION | $3K | — | $3K | 2.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | 3800 FERNANDINA RD. SUITE 200 COLUMBIA, SC 29210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 12.81% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 214 N. TRYON ST. SUITE 46 CHARLOTTE, NC 28202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 12.81% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 50.01% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 50.00% |
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 | 303 | 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) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 464 | $140K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 464 | $140K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 426 | $250K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 426 | $234K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 426 | $234K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 464 | $444K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 464 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.