| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLER, BLAKE V3 | 3318 WEST FRIENDLY AVENUE SUITE 400 GREENSBORO, NC 27410 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $66K | — | $66K | 4.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 939 BURLINGTON, NC 27216 | DELTA DENTAL OF NORTH AMERICA | $945 | — | $945 | 0.92% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | COMMISSION PROCESSING UNIT GREENSBORO, NC 27409 | DELTA DENTAL OF NORTH AMERICA | $794 | — | $794 | 0.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | HUB INTERNATIONAL GULF METAIRIE, LA 70002 | MONY LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.29% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | MCGRIFF INSURANCE SERVICES INC CHARLOTTE, NC 28289 | MONY LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E. JACKSON BLVD #14A CHICAGO, IL 60604 | EYE MED | $1K | — | $1K | 6.53% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | EYE MED | $912 | — | $912 | 4.50% |
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 | 196 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 196 | $1.6M |
| Dental | DELTA DENTAL OF NORTH AMERICA | 223 | $103K |
| Vision | EYE MED | 247 | $20K |
| Life insurance | MONY LIFE INSURANCE COMPANY OF AMERICA | 788 | $56K |
| Short-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 788 | $56K |
| Long-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 788 | $56K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 196 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 788 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.