| 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 | $92K | — | $92K | 18.88% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | $9K | $29K | 6.26% |
| UMR, INC.3 | 115 W WAUSAU AVE WAUSAU, WI 54401 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 0.47% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 3318 W FRIENDLY AVENUE STE 400 GREENSBORO, NC 27410 | AMERITAS LIFE INSURANCE CORP | $34K | — | $34K | 11.76% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 47 AIRPARK CT PO BOX 27149 GREENVILLE, SC 29616 | AMERITAS LIFE INSURANCE CORP | — | $5K | $5K | 1.72% |
| WYNN HMM LLC4 | 324 FOXWOOD LANE WILMINGTON, NC 28409 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $1K | — | $1K | 8.35% |
| MCGRIFF INSURANCE SERVICES INC4 | 2000 CENTER POINT RD STE 2400 COLUMBIA, SC 29210 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $578 | — | $578 | 4.36% |
| RUTH A ANDERSON4 | 331 S FAYETTEVILLE ST CLAYTON, NC 27520 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $103 | — | $103 | 0.78% |
| SDM&R, INC DBA SENN DUNN INSURANCE4 | PO BOX 9375 GREENSBORO, NC 27429 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $34 | — | $34 | 0.26% |
| MARSH & MCLENNAN AGENCY LLC4 | PO BOX 12748 ROANOKE, VA 24028 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $34 | — | $34 | 0.26% |
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 | 478 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TELADOC HEALTH INC | 464 | $25K |
| Dental | AMERITAS LIFE INSURANCE CORP | 814 | $287K |
| Vision | AMERITAS LIFE INSURANCE CORP | 814 | $287K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 481 | $486K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 481 | $486K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 481 | $486K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 430 | $466K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 481 | $524K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 814 | — |
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.