| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INS. CO. | $4K | — | $4K | 10.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INS. CO. | $0 | $3K | $3K | 5.97% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INS. CO. | $3K | $0 | $3K | 10.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INS. CO. | $0 | $1K | $1K | 5.76% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INS. CO. | $2K | — | $2K | 10.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INS. CO. | $0 | $1K | $1K | 6.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $587 | — | $587 | 7.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | P.O. BOX 1087 WAUSAU, WI 544021087 | $137K |
| MCGRIFF INSURANCE SERVICES INC EIN 56-1623293 BROKER | Other commissions Service code 55 | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | $48K |
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 | 241 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 241 | $14K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INS. CO. | 217 | $42K |
| Long-term disability | UNITED OF OMAHA LIFE INS. CO. | 217 | $42K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 189 | $238K |
| Other(2 contracts, 2 carriers) | NATIONAL UNION FIRE INS. CO. | 217 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.