| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 3318 WEST FRIENDLY AVE. STE 400 GREENSBORO, NC 27410 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | $0 | $14K | 2.55% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | RELIASTAR LIFE INSURANCE COMPANY | $68K | $9K | $77K | 16.62% |
| CUENCA & ASSO. INS. AGENCY, INC.3 Filed as: CUENCA & ASSOCIATES INSURANCE AGENC | 2990 INNSBRUCK DR. REDDING, CA 96003 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $10K | $10K | 2.22% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 4309 EMPEROR BLVD STE 300 DURHAM, NC 27703 | RELIASTAR LIFE INSURANCE COMPANY | $5K | $2K | $7K | 1.59% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3605 GLENWOOD AVE RALEIGH, NC 27612 | EYEMED VISION CARE - FIDELITY SECURITY LIFE INSURANCE | $24K | $0 | $24K | 8.83% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 3318 WEST FRIENDLY AVE. STE 400 GREENSBORO, NC 27410 | CHLIC FOR THE BENEFIT OF LINA | $4K | $0 | $4K | 2.55% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3605 GLENWOOD AVE RALEIGH, NC 27612 | KAISER PERMANENTE | $482 | $0 | $482 | 1.00% |
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 | 1,591 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,606 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 59 | $605K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 59 | $556K |
| Vision | EYEMED VISION CARE - FIDELITY SECURITY LIFE INSURANCE | 534 | $267K |
| Life insurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,331 | $606K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,331 | $462K |
| Long-term disability(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,331 | $606K |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,331 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,331 | — |
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.