| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $1K | $13K | 10.27% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 211486 COLUMBIA, SC 29221 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 2.33% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE STE 201 RALEIGH, NC 27612 | METROPOLITAN LIFE INSURANCE COMPANY | — | $37 | $37 | 0.03% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY RD EB COMMISSION GREENSBORO, NC 27409 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 12.35% |
| MCGRIFF INSURANCE SERVICES INC3 | 7 ARLEY WAY STE 300 BLUFFTON, SC 29910 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 2.16% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 33.68% |
| MCGRIFF INSURANCE SERVICES INC3 | 47 AIRPORT CT GREENVILLE, SC 29616 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 33.68% |
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 | 116 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECHOICE HEALTH PLAN | 93 | $2.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 384 | $131K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 384 | $131K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 116 | $91K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 116 | $91K |
| Prescription drug | BLUECHOICE HEALTH PLAN | 93 | $2.4M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 116 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 384 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.