| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | BLUECROSS BLUESHIELD OF TEXAS | $86K | — | $86K | 1.52% |
| BETSY F. CAMPANY3 Filed as: BETSY F CAMPANY | 1140 SAM NEWELL ROAD, SUITE D MATTHEWS, NC 28105 | BLUECROSS BLUESHIELD OF TEXAS | $58K | — | $58K | 1.02% |
| DAVID JOYE3 | 1140 SAM NEWELL ROAD, SUITE D MATTHEWS, NC 28105 | BLUECROSS BLUESHIELD OF TEXAS | $58K | — | $58K | 1.02% |
| BETSY F. CAMPANY3 Filed as: BETSY F CAMPANY | 1140 SAM NEWELL ROAD, SUITE D MATTHEWS, NC 28105 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 1.44% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $396 | $579 | $975 | 0.22% |
| BENEFIT RESOURCES OF THE CAROLINAS3 | 1140 SAM NEWELL ROAD, SUITE D MATTHEWS, NC 28105 | METROPOLITAN LIFE INSURANCE COMPANY | — | $833 | $833 | 0.19% |
| IBSI HOLDINGS INC3 Filed as: IBSI BROKERS | PO BOX 24337 WINSTON, NC 27114 | EYEMED | — | $2K | $2K | 3.24% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | EYEMED | — | $863 | $863 | 1.29% |
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 | 832 | 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) | 832 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 1,324 | $5.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,315 | $445K |
| Vision | EYEMED | 1,341 | $67K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 1,324 | $5.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,341 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.