| 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 | $128K | — | $128K | 5.71% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 211486 COLUMBIA, SC 29221 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $62K | — | $62K | 2.76% |
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF INSURANCE SERVICES LLC | PO BOX 896620 CHARLOTTE, NC 28289 | DELTA DENTAL OF NORTH CAROLINA | $76K | $76K | $152K | 7.29% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $48K | — | $48K | 4.58% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 211486 COLUMBIA, SC 29221 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | — | $27K | 2.56% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | PO BOX 896620 CHARLOTTE, NC 28289 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $44K | — | $44K | 4.59% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 211486 COLUMBIA, SC 29221 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | — | $26K | 2.75% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | PO BOX 896620 CHARLOTTE, NC 28289 | VSP | $26K | — | $26K | 4.59% |
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 | 4,059 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,059 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 4,883 | $1.7M |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 6,191 | $2.1M |
| Vision | VSP | 2,656 | $566K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,106 | $2.2M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,967 | $954K |
| Prescription drug | RXBENEFITS | 1,570 | $0 |
| Other(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,552 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,191 | — |
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.