| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEAN T MICHELSEN3 | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $142K | — | $142K | 11.01% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT MARK MCLEAN | PO BOX 1889 FORT MILL, SC 29716 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $31K | — | $31K | 2.37% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | METROPOLITAN LIFE INSRUANCE COMPANY | $59K | $6K | $65K | 11.24% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSRUANCE COMPANY | $2K | $241 | $2K | 0.43% |
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 | 439 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 712 | $1.3M |
| Dental | METROPOLITAN LIFE INSRUANCE COMPANY | 730 | $576K |
| Vision | METROPOLITAN LIFE INSRUANCE COMPANY | 730 | $576K |
| Life insurance | METROPOLITAN LIFE INSRUANCE COMPANY | 730 | $576K |
| Short-term disability | METROPOLITAN LIFE INSRUANCE COMPANY | 730 | $576K |
| Long-term disability | METROPOLITAN LIFE INSRUANCE COMPANY | 730 | $576K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 712 | $1.3M |
| Other | METROPOLITAN LIFE INSRUANCE COMPANY | 730 | $576K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 730 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.