| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 Filed as: HCW EMPLOYEE BENEFIT SERVICES LLC | 4819 EMPEROR BLVD., STE 200 DURHAM, NC 277035420 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $32K | $32K | 2.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT | 4819 EMPEROR BLVD. STE 200 DURHAM, NC 277035420 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $9K | $9K | 0.62% |
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 Filed as: HCW EMPLOYEE BENEFIT SERVICES LLC | 4319 EMPEROR BLVD., STE 200 DURHAM, NC 27703 | DELTA DENTAL OF NORTH CAROLINA | $10K | — | $10K | 4.52% |
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 Filed as: HCW EMPLOYEE BENEFIT SERVICES LLC | 4819 EMPEROR BLVD. STE 200 DURHAM, NC 277035420 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $13K | $25K | 12.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT | 4819 EMPEROR BLVD. STE 200 DURHAM, NC 277035420 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | — | $15K | 6.89% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 3.01% |
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 Filed as: HCW EMPLOYEE BENEFIT SERVICES LLC | 4819 EMPEROR BLVD. STE 200 DURHAM, NC 277035420 | VISION SERVICE PLAN | $1K | — | $1K | 3.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT | 4319 EMPEROR BLVD., STE 200 DURHAM, NC 277035420 | VISION SERVICE PLAN | $401 | — | $401 | 0.89% |
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 | 298 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 279 | $1.5M |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 543 | $220K |
| Vision | VISION SERVICE PLAN | 215 | $45K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 298 | $212K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 298 | $212K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 298 | $212K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 298 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 543 | — |
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.