| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY GRIGG3 | PO BOX 11052 CHARLOTTE, NC 28220 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $38K | — | $38K | 2.90% |
| THE GRIGG GROUP LLC3 | 3695 ODELL SCHOOL RD CONCORD, NC 28027 | UNITED OF OMAHA | $2K | $2K | $4K | 5.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD SUITE 315 CHARLOTTE, NC 28211 | UNITED OF OMAHA | $681 | — | $681 | 0.88% |
| THE GRIGG GROUP LLC3 | 3695 ODELL SCHOOL RD CONCORD, NC 28027 | UNITED OF OMAHA | $3K | $2K | $6K | 9.59% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD SUITE 315 CHARLOTTE, NC 28211 | UNITED OF OMAHA | $3K | — | $3K | 4.30% |
| THE GRIGG GROUP LLC3 Filed as: THE GRIGG GROUP, LLC | 3695 ODELL SCHOOL RD CONCORD, NC 28027 | UNITED OF OMAHA | $2K | $1K | $3K | 8.92% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD SUITE 315 CHARLOTTE, NC 28211 | UNITED OF OMAHA | $2K | — | $2K | 4.70% |
| THE GRIGG GROUP LLC3 | 3695 ODELL SCHOOL RD CONCORD, NC 28027 | UNITED OF OMAHA | $1K | $690 | $2K | 8.79% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD SUITE 315 CHARLOTTE, NC 28211 | UNITED OF OMAHA | $943 | — | $943 | 4.52% |
| THE GRIGG GROUP LLC3 | 3695 ODELL SCHOOL RD CONCORD, NC 28027 | UNITED OF OMAHA | $981 | $53 | $1K | 6.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD SUITE 315 CHARLOTTE, NC 28211 | UNITED OF OMAHA | $742 | — | $742 | 4.31% |
| THE GRIGG GROUP LLC3 | 3695 ODELL SCHOOL RD CONCORD, NC 28027 | UNITED OF OMAHA | $680 | $485 | $1K | 9.16% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD SUITE 315 CHARLOTTE, NC 28211 | UNITED OF OMAHA | $592 | — | $592 | 4.65% |
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 | 231 | 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) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 188 | $1.3M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 215 | $1.4M |
| Vision | UNITED OF OMAHA | 218 | $17K |
| Life insurance(2 contracts) | UNITED OF OMAHA | 231 | $34K |
| Short-term disability | UNITED OF OMAHA | 128 | $60K |
| Long-term disability | UNITED OF OMAHA | 230 | $37K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 188 | $1.3M |
| Other(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 231 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.