| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18700 N HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $5K | $14K | 6.90% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 11.38% |
| MAIN STREET FINANCIAL GROUP3 | 22 N TRADE STREET TRYON, NC 28782 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $697 | $0 | $697 | 2.29% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD UNIT 300 MOUNT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $349 | $349 | 1.15% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $992 | $3K | 12.38% |
| MAIN STREET FINANCIAL GROUP3 | 22 N TRADE STREET TRYON, NC 28782 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $431 | $0 | $431 | 1.83% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD UNIT 300 MOUNT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $215 | $215 | 0.91% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.50% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $936 | $446 | $1K | 11.51% |
| MAIN STREET FINANCIAL GROUP3 | 22 N TRADE STREET TRYON, NC 28782 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $265 | $0 | $265 | 2.21% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD UNIT 300 MOUNT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $132 | $132 | 1.10% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $2K | $359 | $2K | 18.91% |
| MAIN STREET FINANCIAL GROUP3 | 22 N TRADE STREET TRYON, NC 28782 | STANDARD INSURANCE COMPANY | $500 | $0 | $500 | 4.82% |
| MCGRIFF INSURANCE SERVICES INC4 | 2000 CENTER POINT RD STE 2400 COLUMBIA, SC 29210 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $950 | $0 | $950 | 14.59% |
| MAIN STREET FINANCIAL GROUP4 | 22 N TRADE STREET TRYON, NC 28782 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $157 | $0 | $157 | 2.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | P.O. BOX 1087 WAUSAU, WI 544021087 | $94K |
| MCGRIFF INSURANCE SERVICES INC EIN 56-1623293 BROKER | Other commissions Service code 55 | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | $21K |
| MAIN STREET FINANCIAL GROUP INC EIN 56-2185489 BROKER | Other commissions Service code 55 | — | $10K |
| FLORES AND ASSOCIATES EIN 56-1542307 FSA | Claims processing Service code 12 | — | $2K |
| RXBENEFITS INC EIN 63-1157085 RX BENEFITS | Claims processing Service code 12 | — | $2K |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 202 | $94K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 144 | $14K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $12K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $30K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 127 | $209K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.