| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $120K | — | $120K | 7.65% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 211486 COLUMBIA, SC 29221 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $47K | — | $47K | 2.99% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | MICHAEL STEEN 7701 AIRPORT CENTER DR. STE 1800 GREENSBORO, NC 27409 | DELTA DENTAL OF NORTH CAROLINA | $49K | — | $49K | 3.55% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | — | $37K | 5.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 211486 COLUMBIA, SC 29221 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | — | $22K | 3.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | LINCOLN NATIONAL INSURANCE COMPANY | $30K | — | $30K | 5.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 211486 COLUMBIA, SC 29221 | LINCOLN NATIONAL INSURANCE COMPANY | $18K | — | $18K | 3.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $19K | — | $19K | 5.00% |
| GEISINGER INDEMNITY INSURANCE CO3 | 100 NORTH ACADEMY AVENUE DANVILLE, PA 178223251 | GEISINGER INDEMNITY INSURANCE COMPANY | — | $181K | $181K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF NC EIN 56-0894904 INSURANCE CARRIER | Insurance agents and brokers Service code 22 | — | $882K |
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 | 4,228 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 480 | $786K |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 6,515 | $1.4M |
| Vision | VISION SERVICE PLAN | 2,825 | $388K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,267 | $1.6M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,170 | $746K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL INSURANCE COMPANY | 4,267 | $689K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,515 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.