| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF SOUTH CAROLINA | PO BOX 198 GREER, SC 29652 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $126K | — | $126K | 2.57% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF SOUTH CAROLINA | PO BOX 198 GREER, SC 29652 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $3K | $20K | 10.65% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35, STE. 368 WALL, NJ 07719 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $4K | $13K | 6.80% |
| SUZANNE K. JOHNSON3 Filed as: SUZANNE K JOHNSON | 1024 SOUTHSTONE DR. CHARLOTTE, NC 28210 | NORTHWEST MUTUAL | $3K | $705 | $4K | 2.37% |
| JOHN IEZZI3 | 3901 WESTERRE PKWY., STE. 300 RICHMOND, NC 28211 | NORTHWEST MUTUAL | $1K | $352 | $2K | 1.19% |
| JAMES RICHARD WORRELL3 | 6235 CARNEGIE BLVD. CHARLOTTE, NC 28211 | NORTHWEST MUTUAL | $1K | $352 | $2K | 1.19% |
| RICHARD WORRELL LLC3 Filed as: RICHARD WORRELL | 6235 CARNEGIE BLVD. CHARLOTTE, NC 28211 | NORTHWEST MUTUAL | $839 | $101 | $940 | 0.64% |
| POTOMAC INSURANCE INC3 Filed as: THE POTOMAC GRP LLC | 3901 WESTERRE PKWY., STE. 300 RICHMOND, VA 23233 | NORTHWEST MUTUAL | $280 | $34 | $314 | 0.21% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF SOUTH CAROLINA | PO BOX 198 GREER, SC 29652 | GUARDIAN | $11K | $2K | $13K | 13.21% |
| CONSOLIDATED PLANNING HOLDINGS3 | 3707-C WEST MARKET ST. CHARLOTTE, NC 27403 | GUARDIAN | $99 | — | $99 | 0.10% |
| SUZANNE K. JOHNSON3 Filed as: SUZANNE K JOHNSON | 1024 SOUTHSTONE DR. CHARLOTTE, NC 28210 | NORTHWEST MUTUAL | $2K | $520 | $3K | 3.15% |
| JOHN IEZZI3 | 3901 WESTERRE PKWY., STE. 300 RICHMOND, VA 23233 | NORTHWEST MUTUAL | $1K | $438 | $1K | 1.79% |
| JAMES RICHARD WORRELL3 | 6235 CARNEGIE BLVD. CHARLOTTE, NC 28211 | NORTHWEST MUTUAL | $1K | $438 | $1K | 1.79% |
| RICHARD WORRELL LLC3 Filed as: RICHARD WORRELL | 6235 CARNEGIE BLVD. CHARLOTTE, NC 28210 | NORTHWEST MUTUAL | $618 | $74 | $692 | 0.84% |
| POTOMAC INSURANCE INC3 Filed as: THE POTOMAC GRP LLC | 3901 WESTERRE PKWY., STE. 300 RICHMOND, VA 23233 | NORTHWEST MUTUAL | $206 | $25 | $231 | 0.28% |
| SUZANNE K. JOHNSON3 Filed as: SUZANNE K JOHNSON | 1024 SOUTHSTONE DR. CHARLOTTE, NC 28210 | NORTHWEST MUTUAL | $2K | $475 | $2K | 3.52% |
| JOHN IEZZI3 | 3901 WESTERRE PKWY., STE. 300 RICHMOND, NC 28211 | NORTHWEST MUTUAL | $943 | $238 | $1K | 1.76% |
| JAMES RICHARD WORRELL3 | 6235 CARNEGIE BLVD. CHARLOTTE, NC 28211 | NORTHWEST MUTUAL | $943 | $238 | $1K | 1.76% |
| RICHARD WORRELL LLC3 Filed as: RICHARD WORRELL | 6235 CARNEGIE BLVD. CHARLOTTE, NC 28211 | NORTHWEST MUTUAL | $565 | $68 | $633 | 0.94% |
| POTOMAC INSURANCE INC3 Filed as: THE POTOMAC GRP LLC | 3901 WESTERRE PKWY., STE. 300 RICHMOND, VA 23233 | NORTHWEST MUTUAL | $188 | $23 | $211 | 0.31% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF SOUTH CAROLINA | PO BOX 198 GREER, SC 29652 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 18.26% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35., STE. 368 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 5.06% |
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 | 180 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 423 | $4.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 282 | $192K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 282 | $192K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 180 | $178K |
| Short-term disability | NORTHWEST MUTUAL | 180 | $67K |
| Long-term disability | NORTHWEST MUTUAL | 180 | $148K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 423 | $4.9M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 169 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 423 | — |
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.