| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 4309 EMPEROR BLVD. STE 300 DURHAM, NC 27703 | RELIASTAR LIFE INSURANCE COMPANY | $58K | $36K | $93K | 5.26% |
| CUENCA & ASSO. INS. AGENCY, INC.3 Filed as: CUENCA & ASSOCIATES INSURANCE AGENC | 2990 INNSBRUCK DR. REDDING, CA 96003 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $40K | $40K | 2.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 550 S. CALDWELL ST. CHARLOTTE, NC 28202 | RELIASTAR LIFE INSURANCE COMPANY | $11K | $7K | $19K | 1.06% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 4309 EMPEROR BLVD. STE 300 DURHAM, NC 27703 | RELIASTAR LIFE INSURANCE COMPANY | $20K | $0 | $20K | 3.54% |
| CUENCA & ASSO. INS. AGENCY, INC.3 Filed as: CUENCA & ASSOCIATES INSURANCE AGENC | 2990 INNSBRUCK DR. REDDING, CA 96003 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $13K | $13K | 2.27% |
| MARSH & MCLENNAN AGENCY LLC3 | 550 S. CALDWELL ST. CHARLOTTE, NC 28202 | RELIASTAR LIFE INSURANCE COMPANY | $4K | $2K | $6K | 1.11% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | FIDELITY SECURITY LIFE INSURANCE COMPANY (D/B/A EYEMED) | $16K | $0 | $16K | 9.99% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | FIDELITY SECURITY LIFE INSURANCE COMPANY (D/B/A EYEMED) | $251 | $0 | $251 | 7.58% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | FIDELITY SECURITY LIFE INSURANCE COMPANY (D/B/A EYEMED) | $145 | $0 | $145 | 11.38% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | FIDELITY SECURITY LIFE INSURANCE COMPANY (D/B/A EYEMED) | $22 | $0 | $22 | 7.53% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | FIDELITY SECURITY LIFE INSURANCE COMPANY (D/B/A EYEMED) | $33 | $0 | $33 | 12.64% |
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 | 2,105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(6 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY (D/B/A EYEMED) | 1,712 | $224K |
| Life insurance(2 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 3,999 | $2.3M |
| Short-term disability(2 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 3,999 | $2.3M |
| Long-term disability(2 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 3,999 | $2.3M |
| Other(2 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 3,999 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,999 | — |
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.