| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WENDY B PACE3 | PO BOX 33789 CHARLOTTE, NC 28233 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $140K | $0 | $140K | 4.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 N LA SALLE ST FLR 20 CHICAGO, IL 60601 | DELTA DENTAL OF NORTH CAROLINA | $13K | $0 | $13K | 2.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 939 BURLINGTON, NC 27216 | DELTA DENTAL OF NORTH CAROLINA | $9K | $0 | $9K | 1.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 751 CORPORATE CENTER DR STE 120 RALEIGH, NC 27607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $3K | $19K | 4.99% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 1.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 751 CORPORATE CENTER DR STE 120 RALEIGH, NC 27607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36K | $2K | $38K | 12.70% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 1.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 751 CORPORATE CENTER DR STE 120 RALEIGH, NC 27607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $505 | $21K | 14.71% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.46% |
| WILLIFORD INSURANCE GROUP INC.3 Filed as: WILLIFORD INSURANCE GROUP, INC. | PO BOX 9845 GREENSBORO, NC 27429 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 9.85% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 4.18% |
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 | 1,427 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 1,410 | $2.9M |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 1,604 | $448K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,440 | $103K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,409 | $298K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,409 | $381K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,409 | $381K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 1,410 | $2.9M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,409 | $442K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,604 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.