| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NC LLC | 1007 BATTLEGROUND AVE. STE 103 GREENSBORO, NC 27408 | AETNA LIFE INSURANCE CO. | $25K | — | $25K | 0.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SE INC. | PO BOX 13784 NEWARK, NJ 07188 | AETNA LIFE INSURANCE CO. | — | $11K | $11K | 0.26% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NC LLC | 1007 BATTLEGROUND AVE STE 103 GREENSBORO, NC 27408 | UNITEDHEALTHCARE INSURANCE COMPANY | $65K | — | $65K | 10.01% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NC | PO BOX 14946 GREENSBORO, NC 27415 | UNUM LIFE INSURANCE COMPANY | $39K | — | $39K | 11.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NC LLC | 4505 FALLS OF NEUSE RD SUITE 350 RALEIGH, NC 27609 | METLIFE | $15K | — | $15K | 11.74% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NC | PO BOX 14946 GREENSBORO, NC 27415 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 11.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CAPITAL | 1007 BATTLEGROUND AVE STE 103 GREENSBORO, NC 27408 | NATIONAL VISION ADMINISTRATORS, LLC | $5K | — | $5K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 11220 ASSETT LOOP MANASSAS, VA 20109 | ACE AMERICAN INSURANCE COMPANY | $919 | — | $919 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASSUREDPARTNERS OF NC LLC EIN 90-0903844 MEDICAL/DENTAL BROKER | Claims processing; Contract Administrator Service code 12 | — | $144K |
| TELUS HEALTH (US) LTD. EIN 52-1883918 EAP FEES | Contract Administrator; Claims processing Service code 12 | — | $32K |
| UNUM EIN 01-0278678 ASO STD FEES | Claims processing; Contract Administrator Service code 12 | — | $23K |
| WEX INC. EIN 01-0526993 FSA ADMIN FEES | Claims processing; Contract Administrator Service code 12 | — | $11K |
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 | 681 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 710 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 666 | $4.9M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 666 | $4.8M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 335 | $698K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 468 | $488K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY | 15 | $15K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 468 | $488K |
| Prescription drug(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 666 | $4.9M |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY | 468 | $578K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 666 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.