| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY GRIGG3 | PO BOX 11052 CHARLOTTE, NC 28220 | BLUE CROSS BLUE SHIELD OF NC | $37K | — | $37K | 3.42% |
| THE GRIGG GROUP LLC3 | PO BOX 11052 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.24% |
| THE GRIGG GROUP LLC3 | PO BOX 11052 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| THE GRIGG GROUP LLC3 Filed as: GRIGG GROUP LLC | 3695 ODELL SCHOOL RD CONCORD, NC 28027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 22.03% |
| DONTA CHARLES3 | 6100 FAIRVIEW RD SUITE 1400 CHARLOTTE, NC 28210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 21.78% |
| WARREN LEWIS WILLIAMS3 | 1516 CANDLEWYCK CT KANNAPOLIS, NC 28081 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 7.55% |
| MATTHEW G BURNSIDE3 Filed as: MATTHEW G. BURNSIDE | 8510 MCALPINE PARK DR SUITE 208 CHARLOTTE, NC 28211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $783 | — | $783 | 2.27% |
| THE GRIGG GROUP LLC3 | PO BOX 11052 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| THE GRIGG GROUP LLC3 | 3695 ODELL SCHOOL RD CONCORD, NC 28027 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 9.78% |
| THE GRIGG GROUP LLC3 | PO BOX 11052 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| THE GRIGG GROUP LLC3 | PO BOX 11052 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 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 | 182 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NC | 182 | $1.1M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 185 | $67K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 175 | $15K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 185 | $10K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 146 | $34K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 185 | $29K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 185 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.