| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | DELTA DENTAL OF KENTUCKY | $6K | — | $6K | 1.93% |
| BB&T INSURANCE SERVICES, INC.3 | 3805 GLENWOOD AVENUE RALEIGH, NC 27612 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $40K | $2K | $42K | 15.80% |
| BB&T INSURANCE SERVICES, INC.3 | 3805 GLENWOOD AVENUE RALEIGH, NC 27612 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $36K | $2K | $38K | 15.78% |
| BB&T INSURANCE SERVICES, INC.3 | 3805 GLENWOOD AVENUE RALEIGH, NC 27612 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $28K | $2K | $30K | 14.32% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVENUE SUITE 190 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | — | $14K | 14.05% |
| MCGRIFF INSURANCE SERVICES INC3 | 2600 EASTPOINT PKWY LOUISVILLE, KY 402235151 | THE DENTAL CONCERN, INC. | $6K | $1K | $7K | 12.85% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVENUE SUITE 190 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
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 | 616 | 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) | 616 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 1,107 | $319K |
| Vision | THE DENTAL CONCERN, INC. | 444 | $57K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 609 | $207K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 508 | $264K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 609 | $239K |
| Other(4 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 609 | $414K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,107 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.