| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAMEY FESPERMAN3 | 607 NORTH MAIN STREET LANCASTER, SC 29720 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $5K | — | $5K | 2.99% |
| HEALTHPLAN SERVICES BROKERAGE3 | 6700 LAKEVIEW CENTER DRIVE TAMPA, FL 33619 | HUMANA INSURANCE COMPANY | $8K | $4K | $12K | 17.27% |
| TIDEWATER FINANCIAL GROUP3 | 9625 KERR ROAD INDIAN TRAIL, NC 28079 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 9.34% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.90% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF SOUTH CAROLINA LLC | 150 FAIRVIEW ROAD SUITE 320 MOORESVILLE, NC 28117 | PRINCIPAL LIFE INSURANCE COMPANY | $10 | — | $10 | 0.02% |
| PREMIER BENEFITS GROUP INC3 Filed as: PREMIER BENEFITS GROUP | 2925 SENNA DRIVE SUITE 105 MATTHEWS, NC 28105 | MIDLANDS CASUALTY INSURANCE COMPANY | $31K | — | $31K | 177.15% |
| MEDOVA HEALTHCARE3 | 8300 EAST THORN DRIVE SUITE 300 WICHITA, KS 67226 | MIDLANDS CASUALTY INSURANCE COMPANY | — | $19K | $19K | 106.29% |
| HEALTH PLAN SERVICES INSURANCE AGEN3 | 6700 LAKEVIEW CENTER DRIVE TAMPA, FL 33619 | MIDLANDS CASUALTY INSURANCE COMPANY | $6K | — | $6K | 35.43% |
| PHCS3 Filed as: MULTIPLAN INC- PHCS | PO BOX 29380 NEW YORK, NY 10087 | MIDLANDS CASUALTY INSURANCE COMPANY | — | $5K | $5K | 26.25% |
| PREMIER BNFTS GROUP INC3 | 2925 SENNA DRIVE SUITE 105 MATTHEWS, NC 28105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 23.85% |
| GAINEY ASHLI3 | 550 SHEPPARD PLANT ROAD CHINA GROVE, NC 28023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 7.86% |
| OMAR HADI AGENCY LLC3 | 2801 SOUTH CANNON BOULEVARD KANNAPOLIS, NC 28083 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $672 | — | $672 | 4.60% |
| PREMIER BNFTS GROUP INC3 | 2925 SENNA DRIVE SUITE 105 MATTHEWS, NC 28105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 33.86% |
| GAINEY ASHLI3 | 550 SHEPPARD PLANT ROAD CHINA GROVE, NC 28023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 12.08% |
| OMAR HADI AGENCY LLC3 | 2801 SOUTH CANNON BOULEVARD KANNAPOLIS, NC 28083 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $914 | — | $914 | 10.72% |
| PREMIER BNFTS GROUP INC3 | 2925 SENNA DRIVE SUITE 105 MATTHEWS, NC 28105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 24.86% |
| GAINEY ASHLI3 | 550 SHEPPARD PLANT ROAD CHINA GROVE, NC 28023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $635 | — | $635 | 8.29% |
| OMAR HADI AGENCY LLC3 | 2801 SOUTH CANNON BOULEVARD KANNAPOLIS, NC 28083 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $400 | — | $400 | 5.22% |
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 | 204 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 17 | $167K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 109 | $126K |
| Vision | HUMANA INSURANCE COMPANY | 109 | $72K |
| Life insurance(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 109 | $126K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 90 | $55K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 90 | $55K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 17 | $167K |
| Other(6 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 130 | $287K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.
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.