| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 4309 EMPEROR BLVD STE 300 DURHAM, NC 27703 | RELIASTAR LIFE INSURANCE COMPANY | $66K | — | $66K | 11.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 550 S CALDWELL STREET CHARLOTTE, NC 28202 | RELIASTAR LIFE INSURANCE COMPANY | $7K | — | $7K | 1.20% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $25K | $10K | $35K | 7.02% |
| UMR, INC.3 | 115 W WAUSAU AVE WAUSAU, WI 54401 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 0.40% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 3318 W FRIENDLY AVENUE STE 400 GREENSBORO, NC 27410 | AMERITAS LIFE INSURANCE CORP | $42K | — | $42K | 11.77% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 47 AIRPARK CT PO BOX 27149 GREENVILLE, SC 29616 | AMERITAS LIFE INSURANCE CORP | — | $8K | $8K | 2.11% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 3318 W FRIENDLY AVE STE 400 GREENSBORO, NC 27410 | TELADOC HEALTH INC | $4K | — | $4K | 15.00% |
| WYNN HMM LLC4 | 324 FOXWOOD LANE WILMINGTON, NC 28409 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $2K | — | $2K | 11.51% |
| MCGRIFF INSURANCE SERVICES INC4 | 2000 CENTER POINT RD STE 2400 COLUMBIA, SC 29210 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $1K | — | $1K | 5.13% |
| RUTH A ANDERSON4 | 331 S FAYETTEVILLE ST CLAYTON, NC 27520 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $89 | — | $89 | 0.44% |
| SDM&R, INC DBA SENN DUNN INSURANCE4 | PO BOX 9375 GREENSBORO, NC 27429 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $28 | — | $28 | 0.14% |
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 | 512 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 516 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TELADOC HEALTH INC | 531 | $30K |
| Dental | AMERITAS LIFE INSURANCE CORP | 897 | $361K |
| Vision | AMERITAS LIFE INSURANCE CORP | 897 | $361K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,546 | $573K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,546 | $573K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,546 | $573K |
| Prescription drug | RXBENEFITS, INC | 83 | $0 |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 452 | $499K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,546 | $623K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,546 | — |
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.