| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JERRY DEAN GREGORY3 | PO BOX 53670 FAYETTEVILLE, NC 28305 | KAISER FOUNDATION HEALTH PLAN INC | $52K | — | $52K | 3.02% |
| FINANCIAL DIRECTIONS GROUP INC3 Filed as: FINANCIAL DIRECTIONS GROUP | 5001 WESTON PKWY STE 200 CARY, NC 27513 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $64K | — | $64K | 3.82% |
| FINANCIAL DIRECTIONS GROUP INC3 Filed as: FINANCIAL DIRECTIONS GROUP | 5001 WESTON PKWY STE 200 CARY, NC 27513 | BLUE CROSS BLUE SHIELD OF OREGON | $57K | — | $57K | 4.17% |
| FINANCIAL DIRECTIONS GROUP INC3 Filed as: FINANCIAL DIRECTIONS GROUP | 5001 WESTON PKWY STE 200 CARY, NC 27513 | DELTA DENTAL OF NORTH CAROLINA | $14K | — | $14K | 3.02% |
| FINANCIAL DIRECTIONS GROUP INC3 Filed as: FINANCIAL DIRECTIONS GROUP | 5001 WESTON PKWY STE 200 CARY, NC 27513 | UNITED HEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 1.86% |
| THE CASON GROUP INC3 Filed as: CASON GROUP INC | 1612 MARION ST COLUMBIA, SC 29201 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 0.65% |
| FINANCIAL DIRECTIONS GROUP INC3 Filed as: FINANCIAL DIRECTIONS GROUP | 5001 WESTON PKWY STE 200 CARY, NC 27513 | COVENTRY HEALTHCARE OF THE CAROLINAS | $7K | $0 | $7K | 2.05% |
| FINANCIAL DIRECTIONS GROUP INC3 Filed as: FINANCIAL DIRECTIONS GROUP | 5001 WESTON PKWY STE 200 CARY, NC 27513 | VISION SERVICE PLAN | $2K | — | $2K | 3.43% |
| FINANCIAL DIRECTIONS GROUP INC3 Filed as: FINANCIAL DIRECTIONS GROUP | 5001 WESTON PKWY STE 200 CARY, NC 27513 | RELIANCE STANDARD LIFE INSURANCE GROUP | $1K | — | $1K | 10.83% |
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 | 587 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 587 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 358 | $5.6M |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 1,165 | $467K |
| Vision | VISION SERVICE PLAN | 399 | $58K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 587 | $194K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE GROUP | 103 | $12K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 358 | $3.9M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 587 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,165 | — |
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.