| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GEISINGER INDEMNITY INSURANCE CO3 | 100 NORTH ACADEMY AVENUE DANVILLE, PA 178223251 | GEISINGER HEALTH PLAN | — | $187K | $187K | 6.96% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES PO | BOX 896620 CHARLOTTE, NC 28289 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $95K | — | $95K | 9.41% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 211486 COLUMBIA, SC 29221 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $33K | — | $33K | 3.24% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES 414 | GALLIMORE DAIRY RD. STE. F GREENSBORO, NC 27409 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $18K | $18K | 1.77% |
| DAVID L YOPP | 4309 EMPEROR BLVD STE 300 DURHAM, NC 27703 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $7K | $496K | $504K | 66.23% |
| DAVID L YOPP3 | 4309 EMPEROR BLVD SUITE 300 DURHAM, NC 27703 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $7K | $796K | $804K | 105.68% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $25K | — | $25K | 5.40% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 211486 COLUMBIA, SC 29221 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $15K | — | $15K | 3.24% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES 414 | GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $9K | $9K | 1.90% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $16K | — | $16K | 5.41% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 211486 COLUMBIA, SC 29221 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $10K | — | $10K | 3.24% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 414GALLIMORE DAIRY RD STE. F GREENSBORO, NC 27409 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $6K | $6K | 1.93% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $15K | $67K | $81K | 28.02% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $755 | — | $755 | 5.39% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 211486 COLUMBIA, SC 29221 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $453 | $0 | $453 | 3.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF NC EIN 56-0894904 INSURER | Claims processing Service code 12 | 4309 EMPEROR BLVD STE 300 DURHAM, NC 27703 | $877K |
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 | 2,086 | 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) | 2,086 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | GEISINGER HEALTH PLAN | 3,031 | $4.2M |
| Vision | VISION SERVICE PLAN | 1,372 | $289K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,081 | $1.0M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,838 | $455K |
| Other(3 contracts) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,114 | $355K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,031 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.