| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA LLC | 4010 OLEANDER DRIVE STE 11 WILMINGTON, NC 28403 | AETNA LIFE INSURANCE CO. | $64K | — | $64K | 3.31% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SC LLC | 218 TRADE STREET STE G GREER, SC 29651 | AETNA LIFE INSURANCE CO. | $24K | — | $24K | 1.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORROON CORP OF NC | 301 S TRYON STREET SUITE 2600 CHARLOTTE, NC 28282 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 0.28% |
| INSURANCE OFFICE OF AMERICA3 | 1451 STATEROUTE 134 STE 101 FARMINGDALE, NJ 07727 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $59 | $4K | 8.53% |
| DONALD C SAVOY INC3 | 25 HANOVER RD #B STE 220 FLORHAM PARK, NJ 079321424 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $17 | $2K | 4.01% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 327505069 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $885 | $885 | 1.95% |
| DONALD C SAVOY INC3 | 25 HANOVER RD #B STE 220 FLORHAM PARK, NJ 079321424 | METROPOLITAN LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLORES & ASSOCIATES, LLC EIN 56-1542307 3RD PARTY ADMIN | Claims processing Service code 12 | 1218 S. CHURCH STREET CHARLOTTE, NC 28203 | $6K |
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 | 134 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 270 | $1.9M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 205 | $45K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 205 | $45K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 205 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.