| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $57K | — | $57K | 2.90% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | DELTA DENTAL OF NORTH CAROLINA | $6K | — | $6K | 2.92% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | COMMISSION PROCESSING UNIT GREENSBORO, NC 27409 | DELTA DENTAL OF NORTH CAROLINA | $4K | — | $4K | 2.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 4TH FLOOR ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF NORTH CAROLINA | $4K | — | $4K | 1.95% |
| MCGRIFF INSURANCE SERVICES INC3 | 3318 WEST FRIENDLY AVE 4TH FL STE 400 GREENSBORO, NC 27410 | UNION SECURITY INSURANCE COMPANY | $16K | — | $16K | 9.31% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | UNION SECURITY INSURANCE COMPANY | — | $7K | $7K | 4.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 1.88% |
| BB&T INSURANCE SERVICES, INC.3 | COMMISSION PROCESSING UNIT GREENSBORO, NC 27409 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 11.93% |
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 | 384 | 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) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 472 | $2.0M |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 425 | $192K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 388 | $33K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 384 | $170K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 384 | $170K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 384 | $170K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 472 | $2.0M |
| Other | UNION SECURITY INSURANCE COMPANY | 384 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 472 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.