| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: HRH - WILLIS OF NORTH CAROLINA INC | 214 N TRYON STREET STE 250 CHARLOTTE, NE 28202 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $41K | $41K | 3.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | UNITEDHEALTHCARE INSURANCE COMPANY | $548 | $8K | $9K | 0.70% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | PO BOX 168 WINSTON SALEM, NC 27102 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $995 | $3K | 0.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC | 214 N TRYON STREET STE 250 CHARLOTTE, NC 28202 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 4.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.65% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NE 27409 | PRINCIPAL LIFE INSURANCE COMPANY | -$145 | — | -$145 | -0.08% |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 423 | $1.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 375 | $193K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 375 | $193K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 375 | $193K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 375 | $193K |
| 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."
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.