| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL BECK3 Filed as: MICHAEL E. BECK | 4819 EMPEROR BOULEVARD, SUITE 200 DURHAM, NC 27703 | BLUE CROSS BLUE AND SHIELD NORTH CAROLINA | $16K | $0 | $16K | 0.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4819 EMPEROR BOULEVARD, SUITE 200 DURHAM, NC 27703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 11.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 WEST GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 1.25% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT II, INC. | 1401 CHRISTMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $785 | $3K | 6.94% |
| KJELL T TERRELL3 Filed as: KJELL T. TERRELL | 327 GOLF COURSE DRIVE RALEIGH, NC 27610 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $292 | $2K | 5.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4819 EMPEROR BOULEVARD, SUITE 200 DURHAM, NC 27703 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $189 | $2K | 4.01% |
| ARTHUR WAYNE JORDAN JR3 Filed as: ARTHUR WAYNE JORDAN JR. | 514 OAKWOOD AVENUE RALEIGH, NC 27601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $895 | $248 | $1K | 2.32% |
| ROBERT W. FOXWORTH INC3 Filed as: ROBERT W. FOXWORTH, INC AND OTHERS | 217 BRANCHSIDE HOLLY SPRINGS, NC 27540 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $135 | $0 | $135 | 0.27% |
| JASON DOUGLAS WISE3 | 8257 PRIMANTI BOULEVARD RALEIGH, NC 27612 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $134 | $0 | $134 | 0.27% |
| KRISTEN BIBLE3 | 5461 TRALEE PLACE RALEIGH, NC 27609 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $89 | $0 | $89 | 0.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4819 EMPEROR BOULEVARD, SUITE 200 DURHAM, NC 27703 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 9.97% |
| BETTENA L WINNICKI3 Filed as: BETTENA L. WINNICKI | 5748 WINDWORTH DRIVE WINSTON SALEM, NC 27106 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $905 | $0 | $905 | 7.95% |
| PATSY HOLLAND3 Filed as: PATSY R. HOLLAND | 525 BAKER CROSSROAD ROAD REIDSVILLE, NC 27320 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $273 | $0 | $273 | 2.40% |
| STOVALL & ASSOCIATES INC.3 Filed as: STOVALL AND ASSOCIATES, INC. | 114 MARITIME COURT CHOCOWINITY, NC 27817 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $190 | $0 | $190 | 1.67% |
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 | 300 | 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) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE AND SHIELD NORTH CAROLINA | 529 | $1.9M |
| Dental | BLUE CROSS BLUE AND SHIELD NORTH CAROLINA | 529 | $1.9M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 395 | $29K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 208 | $145K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 208 | $194K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 208 | $145K |
| Prescription drug | BLUE CROSS BLUE AND SHIELD NORTH CAROLINA | 529 | $1.9M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 300 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 529 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.