| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 Filed as: HCW EMPLOYEE BENEFIT SERVICES LLC | 4819 EMPEROR BOULEVARD SUITE 200 DURHAM, NC 27703 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $19K | $19K | 4.12% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY, INC. | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | OXFORD HEALTH INSURANCE, INC. | $11K | — | $11K | 3.02% |
| ASSUREDPARTNERS3 Filed as: BWD GROUP LLC | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | WESCO INSURANCE COMPANY | $1K | — | $1K | 19.80% |
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 Filed as: HCW EMPLOYEE BENEFIT SERVICES LLC | 4819 EMPEROR BOULEVARD SUITE 200 DURHAM, NC 27703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11 | — | $11 | 0.33% |
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 | 320 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 162 | $831K |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 161 | $30K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 162 | $472K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 97 | $3K |
| Short-term disability | WESCO INSURANCE COMPANY | 169 | $6K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 16 | $4K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 97 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.