| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A HARDISON V3 Filed as: JAMES A HARDISON, V | 51 E 4TH STREET APT 704 WINSTON-SALEM, NC 27101 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $44K | — | $44K | 4.83% |
| DAVID L YOPP3 | 4309 EMPEROR BLVD SUITE 300 DURHAM, NC 27703 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $236 | — | $236 | 0.03% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 168 WINSTON-SALEM, NC 27102 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $596 | $5K | 17.03% |
| MCGRIFF INSURANCE SERVICES INC3 | 47 AIRPARK CT PO BOX 27149 GREENVILLE, SC 29616 | AMERITAS LIFE INSURANCE CORP | — | $1K | $1K | 5.78% |
| MCGRIFF INSURANCE SERVICES INC3 | 250 WEST FIRST ST, #100 PO BOX 168 WINSTON-SALEM, NC 27102 | AMERITAS LIFE INSURANCE CORP | $968 | — | $968 | 3.78% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | SYMETRA LIFE INSURANCE COMPANY | $3K | $2 | $3K | 14.92% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | 4615 UNIVERSITY DR DURHAM, NC 27707 | SYMETRA LIFE INSURANCE COMPANY | — | $964 | $964 | 4.56% |
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 | 105 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 118 | $924K |
| Dental | AMERITAS LIFE INSURANCE CORP | 156 | $26K |
| Vision | AMERITAS LIFE INSURANCE CORP | 156 | $26K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 106 | $29K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 106 | $29K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 118 | $903K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 106 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.
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.