| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP SOUTHEAST | 4010 OLEANDER DR., STE. 11 WILMINGTON, NC 28403 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $34K | — | $34K | 6.48% |
| JAMES WOLFE JR.3 | PO BOX 4849 WILMINGTON, NC 28406 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $15K | — | $15K | 2.77% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 4010 OLEANDER DR., STE. 11 WILMINGTON, NC 28403 | HUMANA INSURANCE COMPANY | $3K | $3K | $5K | 11.67% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 4010 OLEANDER DR., STE. 11 WILMINGTON, NC 28403 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 23.63% |
| MOSAIC GROUP SERVICES3 | 4611 UNIVERSITY DR. DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 11.04% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 4.48% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | PO BOX 198 GREER, SC 29652 | COMMUNITY EYE CARE | $710 | — | $710 | 10.00% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 84 | $525K |
| Dental | HUMANA INSURANCE COMPANY | 76 | $45K |
| Vision | COMMUNITY EYE CARE | 103 | $7K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 118 | $37K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 118 | $37K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 118 | $37K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 84 | $525K |
| Other | HARTFORD LIFE AND ACCIDENT | 118 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.