| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | $62K | — | $62K | 9.16% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR # 1800 GREENSBORO, NC 274099047 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 1.15% |
| GLOBAL UNDERWRITERS AGCY INC3 Filed as: GLOBAL UNDERWRITERS AGENCY INC | 3195 LINWOOD ROAD, SUITE 201 CINCINNATI, OH 45208 | ACE AMERICAN INSURANCE COMPANY | $14K | — | $14K | 35.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF NORTH CAR EIN 56-0894904 NONE | Insurance agents and brokers; Claims processing Service code 12 | — | $90K |
| DELTA DENTAL OF NORTH CAROLINA EIN 13-2698638 BENEFIT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $19K |
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 | 357 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 406 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 763 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 746 | $243K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,759 | $672K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,759 | $672K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,759 | $711K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,759 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.