| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHARON R MONROE3 | 250 WEST FIRST STREET SUITE 100 WINSTON-SALEM, NC 27101 | BLUECROSS BLUESHIELD OF NORTH CAROLINA | $10K | — | $10K | 0.97% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | LOCKBOX-MCGRIFF INS SVCS PO BOX 896620 CHARLOTTE, NC 28289 | HARTFORD LIFE AND ACCIDENT | $15K | — | $15K | 11.16% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | 4611 UNIVERSITY DR DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | — | $9K | $9K | 7.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 101 N CHERRY ST STE 500 WINSTON-SALEM, NC 271014080 | AMERITAS LIFE INSURANCE CORP. | $10K | — | $10K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 47 AIRPARK COURT PO BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP. | — | $1K | $1K | 1.37% |
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 | 260 | 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) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF NORTH CAROLINA | 252 | $1.0M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 316 | $98K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 316 | $98K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 352 | $131K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 352 | $131K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 352 | $131K |
| Prescription drug | BLUECROSS BLUESHIELD OF NORTH CAROLINA | 252 | $1.0M |
| Other(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF NORTH CAROLINA | 352 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.