| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLAKE V WELLER3 Filed as: BLAKE WELLER | 4116 DOGWOOD DRIVE GREENSBORO, NC 27410 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $27K | — | $27K | 7.03% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | P.O. BOX 211486 COLUMBIA, SC 29221 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 6.19% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 3.89% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60675 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $75 | $75 | 0.07% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 750 B SUITE 2400 SAN DIEGO, CA 921012476 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | — | $2K | 2.76% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3318 W FRIENDLY AVENUE 2ND FLOOR GREENSBORO, NC 27410 | ARAG INSURANCE COMPANY | $526 | — | $526 | 10.00% |
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 | 65 | 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) | 66 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 134 | $461K |
| Dental | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 134 | $385K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 134 | $385K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 65 | $110K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 65 | $110K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 65 | $110K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 134 | $385K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 65 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.