| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 220748 CHARLOTTE, NC 28222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 4.07% |
| WELLS FARGO INSURANCE SERVICES3 | 6100 FAIRVIEW ROAD, SUITE 1400 CHARLOTTE, NC 28210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 1.52% |
| WELLS FARGO INSURANCE SERVICES3 | 6100 FAIRVIEW ROAD, SUITE 1400 CHARLOTTE, NC 28210 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 9.81% |
| WELLS FARGO INSURANCE SERVICES3 | 1018 WEST 9TH AVENUE KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.84% |
| E. C. WHITLEY3 | PO BOX 220748 CHARLOTTE, NC 28222 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $2K | — | $2K | 20.96% |
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 | 308 | 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) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 307 | $8K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 404 | $78K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 307 | $8K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 267 | $106K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 267 | $106K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 267 | $106K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 307 | $8K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 267 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.