| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | DELTA DENTAL OF NORTH CAROLINA | $14K | — | $14K | 1.93% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | DELTA DENTAL OF NORTH CAROLINA | $10K | — | $10K | 1.33% |
| MCGRIFF INSURANCE SERVICES INC3 | 3318 W. FRIENDLY AVE STE 400 GREENSBORO, NC 27410 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | $14K | $42K | 15.00% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 3.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 3318 W. FRIENDLY AVE STE 400 GREENSBORO, NC 27410 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $10K | $31K | 15.00% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $15K | — | $15K | 9.16% |
| MCGRIFF INSURANCE SERVICES INC3 | 3318 W. FRIENDLY AVE STE 400 GREENSBORO, NC 27410 | UNUM INSURANCE COMPANY | $11K | $3K | $14K | 22.58% |
| MCGRIFF INSURANCE SERVICES INC3 | 3318 W. FRIENDLY AVE STE 400 GREENSBORO, NC 27410 | UNUM INSURANCE COMPANY | $10K | $3K | $13K | 22.64% |
| MCGRIFF INSURANCE SERVICES INC3 | 3318 W. FRIENDLY AVE STE 400 GREENSBORO, NC 27410 | UNUM INSURANCE COMPANY | $10K | $2K | $12K | 22.65% |
| MCGRIFF INSURANCE SERVICES INC4 | — | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $5K | — | $5K | 21.00% |
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 | 1,221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 1,970 | $729K |
| Vision | VISION SERVICE PLAN | 785 | $163K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,269 | $277K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,269 | $209K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,935 | $1.3M |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,269 | $471K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,970 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.