| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE SERVICES INC | PO BOX 327 GARNER, NC 27529 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30K | — | $30K | 16.42% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $409 | $8K | 4.57% |
| ELECTRO MEDICAL SERVICES, INC.3 Filed as: ELECTRO MEDICAL SERVICES | 209 AIRPORT RD CLINTON, NC 28329 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $110 | — | $110 | 0.06% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $1K | $7K | 10.25% |
| EBENCONCEPTS COMPANY3 | 5050 SPRING VALLEY ROAD DALLAS, TX 75244 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 2.84% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 8801 ONEAL RD RALEIGH, NC 27613 | AMERITAS LIFE INSURANCE CORP | $9K | — | $9K | 26.64% |
| EBENCONCEPTS COMPANY3 Filed as: EBENCONCEPTS COMPAY | 5050 SPRING VALLEY ROAD DALLAS, TX 75244 | AMERITAS LIFE INSURANCE CORP | $4K | — | $4K | 12.66% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES | PO BOX 680 CLINTON, NC 27329 | COMMUNITY EYE CARE | $106 | — | $106 | 0.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF NORTH CAR EIN 56-0894904 ADMINISTRATOR | Claims processing Service code 12 | — | $356K |
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 | 818 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 818 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 487 | $33K |
| Vision | COMMUNITY EYE CARE | 155 | $24K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 818 | $253K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 818 | $71K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 818 | $71K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 572 | $128K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 818 | $253K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 818 | — |
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.