| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | MAITLAND OFFICE 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | — | $17K | 4.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | MAITLAND OFFICE 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $8K | $8K | 1.73% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | MAITLAND OFFICE 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $26K | — | $26K | 12.00% |
| BB&T INSURANCE SERVICES, INC.3 | MAITLAND OFFICE 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $11K | $11K | 4.94% |
| TURNER INSURANCE AGENCIES INC.3 | 232 S.COURTENAY PKWY MERRITT ISLAND, FL 32952 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 3.38% |
| MARK WAYBRIGHT3 | 9660 ARGYLE FOREST BLVD. SUITE 4 JACKSONVILLE, FL 32222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 2.64% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVENUE SOUTH SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 1.98% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3201 BEECHLEAF COURT SUITE 200 RALEIGH, NC 27604 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 0.85% |
| MARK WAYBRIGHT3 | 232 S. COURTENAY PKWY MERRITT ISLAND, FL 32952 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $211 | — | $211 | 0.11% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | MAITLAND OFFICE 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | — | $20K | 10.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | MAITLAND OFFICE 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $11K | $11K | 5.45% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SRVICES, INC. | MAITLAND OFFICE 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23K | — | $23K | 15.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | MAITLAND OFFICE 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $9K | $9K | 5.62% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | MAITLAND OFFICE 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | — | $4K | 15.00% |
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 | 400 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 406 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 353 | $435K |
| Vision | HUMANA INSURANCE COMPANY | 286 | $54K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 400 | $351K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 400 | $216K |
| Other(5 contracts, 5 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 408 | $435K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 408 | — |
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.