| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID C CONTORNO3 | 109 PROFESSIONAL PK DR STE 103 MORRESVILLE, NC 28117 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $31K | $9K | $40K | 6.24% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA LLC | 4010 OLEANDER DR SUITE 11 WILMINGTON, NC 28403 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | $178 | $16K | 11.64% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NE 11788 | PRINCIPAL LIFE INSURANCE COMPANY | — | $9K | $9K | 6.38% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NORTH CAROLINA | 109 PROFESSIONAL PARK DRIVE SUITE 102 MOORESVILLE, NC 28117 | UNION SECURITY INSURANCE COMPANY | $20K | — | $20K | 57.92% |
| DAVID MASON DOKELL3 Filed as: DAVID CONTORNO | 109 PROFESSIONAL PARK DRIVE SUITE 102 MOORESVILLE, NC 28117 | UNION SECURITY INSURANCE COMPANY | — | $1K | $1K | 2.93% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA, LLC | 331 ALCOVE ROAD #200 MOORESVILLE, NC 28117 | EYEMED VISION CARE | $906 | — | $906 | 10.01% |
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 | 93 | 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) | 93 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 78 | $648K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 93 | $137K |
| Vision | EYEMED VISION CARE | 108 | $9K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 93 | $137K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 93 | $137K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 93 | $137K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 78 | $648K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 93 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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.
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.