| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVEN F DUCKETT | 400 N. EXECUTIVE DRIVE STE 300 BROOKFIELD, WI 53005 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $28K | — | $28K | 10.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | 93033 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $1K | $12K | 12.89% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OFWISCONSIN, INC. | 131 S. DEARBORN ST STE 600 CHICAGO, IL 60603 | VISION SERVICE PLAN | — | $8K | $8K | 19.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ACS BENEFIT SERVICES, INC. EIN 56-1472467 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | 8025 NORTH POINT BLVD SUITE 100 WINSTON-SALEM, NC 27106 | $9K |
| FLORES AND ASSOCIATES EIN 56-1542307 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 1218 SOUTH CHURCH STREET CHARLOTTE, NC 28203 | $7K |
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 | 261 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 242 | $281K |
| Vision | VISION SERVICE PLAN | 209 | $42K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 527 | $94K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 527 | $94K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 242 | $281K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 242 | $281K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 527 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 527 | — |
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.