| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR, STE 1800 GREENSBORO, NC 274099047 | UNITED HEALTHCARE INSURANCE COMPANY | — | $58K | $58K | 3.28% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD STE F GREENSBORO, NC 274099693 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | $314 | $14K | 11.10% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $5K | $10K | 8.18% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | PO BOX 2291 DURHAM, NC 277022291 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 5.03% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 5925 CARNEGIE BLVD STE 400 CHARLOTTE, NC 282094659 | AMERITAS LIFE INSURANCE CORP. | $9K | — | $9K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 47 AIRPARK CT GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP. | — | $2K | $2K | 2.67% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 168 WINSTON SALEM, NC 27102 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 11.33% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, NC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 11.30% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 11.24% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 11.08% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBUS, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 11.10% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NE 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 11.07% |
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 | 240 | 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) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 258 | $1.8M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 536 | $90K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 218 | $24K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 238 | $125K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 238 | $125K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 238 | $125K |
| Other(4 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 238 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 536 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.