| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL J. AHLERT3 Filed as: MICHAEL J AHLERT | 55 EAST JACKSON BLVD CHICAGO, IL 60604 | BLUECROSS BLUESHIELD OF NORTH CAROLINA | $43K | $2K | $45K | 3.58% |
| BB&T INSURANCE SERVICES, INC.3 | 3318 W FRIENDLY AVE., STE. 400 GREENSBORO, NC 27410 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 7.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST, LTD. | 15162 COLLECTION CENTER, DRIVE CHICAGO, IL 60693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 2.40% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | PO BOX 211486 COLUMBIA, SC 29221 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $958 | — | $958 | 1.41% |
| BB&T INSURANCE SERVICES, INC.3 | 3318 WEST FRIENDLY AVENUE, STE. 400 GREENSBORO, NC 27410 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 8.36% |
| BENEFITS INC3 Filed as: THE BENEFITS COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $497 | $497 | 2.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $357 | — | $357 | 1.65% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | EYEMED | $995 | — | $995 | 8.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD, #14A CHICAGO, IL 60604 | EYEMED | $243 | — | $243 | 2.05% |
| BB&T INSURANCE SERVICES, INC.3 | 3318 WEST FRIENDLY AVE., STE. 400 GREENSBORO, NC 27410 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $923 | — | $923 | 8.30% |
| BENEFITS INC3 Filed as: THE BENEFITS COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $262 | $262 | 2.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $178 | — | $178 | 1.60% |
| BB&T INSURANCE SERVICES, INC.3 | 3318 WEST FRIENDLY AVE., STE. 400 GREENSBORO, NC 27410 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $906 | — | $906 | 8.35% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $248 | $248 | 2.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $178 | — | $178 | 1.64% |
| BB&T INSURANCE SERVICES, INC.3 | 3318 WEST FRIENDLY AVE., STE. 400 GREENSBORO, NC 27410 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $63 | — | $63 | 15.07% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3 | $3 | 0.72% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF NORTH CAROLINA | 304 | $1.3M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 235 | $68K |
| Vision | EYEMED | 140 | $12K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 116 | $11K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 117 | $22K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 43 | $11K |
| Prescription drug | BLUECROSS BLUESHIELD OF NORTH CAROLINA | 304 | $1.3M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 116 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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."
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.