| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIDEWATER FINANCIAL GROUP3 | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $17K | $2K | $20K | 17.09% |
| THOMAS P BOTTS3 | 2925 SENNA DRIVE SUITE 202 MATTHEWS, NC 28105 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $2K | — | $2K | 2.65% |
| KRISTIN R VIDD3 | SUITE 202 MATTHEWS, NC 28105 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $736 | — | $736 | 1.02% |
| TIDEWATER FINANCIAL GROUP3 | 2925 SENNA DRIVE SUITE 202 MATTHEWS, NC 28105 | HUMANA INSURANCE COMPANY | $3K | $6K | $9K | 22.37% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | HUMANA INSURANCE COMPANY | $826 | — | $826 | 1.96% |
| TIDEWATER FINANCIAL GROUP3 | 1028 LEE ANN DRIVE NORTHEAST SUITE 305 CONCORD, NC 28025 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $636 | — | $636 | 2.58% |
| TIDEWATER FINANCIAL GROUP3 | 1028 LEE ANN DRIVE NORTHEAST SUITE 305 CONCORD, NC 28025 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $542 | — | $542 | 2.20% |
| TIDEWATER FINANCIAL GROUP3 | 1028 LEE ANN DRIVE NORTHEAST SUITE 305 CONCORD, NC 28025 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $342 | — | $342 | 1.39% |
| TIDEWATER FINANCIAL GROUP3 | 1028 LEE ANN DRIVE NORTHEAST SUITE 305 CONCORD, NC 28025 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $340 | — | $340 | 1.38% |
| OMAR HADI AGENCY LLC3 | 2801 SOUTH CANNON BOULEVARD KANNAPOLIS, NC 28083 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $332 | — | $332 | 1.35% |
| TIDEWATER FINANCIAL GROUP3 | 1028 LEE ANN DRIVE NORTHEAST SUITE 305 CONCORD, NC 28025 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $303 | — | $303 | 1.23% |
| TIDEWATER FINANCIAL GROUP3 | 1028 LEE ANN DRIVE NORTHEAST SUITE 305 CONCORD, NC 28025 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $269 | — | $269 | 1.09% |
| OMAR HADI AGENCY LLC3 | 2801 SOUTH CANNON BOULEVARD KANNAPOLIS, NC 28083 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $219 | — | $219 | 0.89% |
| JOHN CHRISTOPHER LOWE3 Filed as: JOHN P RETORT | 12130 WILLINGDON ROAD HUNTERSVILLE, NC 28078 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $192 | — | $192 | 0.78% |
| OMAR HADI AGENCY LLC3 | 2801 SOUTH CANNON BOULEVARD KANNAPOLIS, NC 28083 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $158 | — | $158 | 0.64% |
| JOHN CHRISTOPHER LOWE3 Filed as: JOHN P RETORT | 12130 WILLINGDON ROAD HUNTERSVILLE, NC 28078 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $126 | — | $126 | 0.51% |
| JOHN CHRISTOPHER LOWE3 Filed as: JOHN P RETORT | 12130 WILLINGDON ROAD HUNTERSVILLE, NC 28078 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $96 | — | $96 | 0.39% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 2 | $72K |
| Dental | HUMANA INSURANCE COMPANY | 100 | $42K |
| Vision | HUMANA INSURANCE COMPANY | 100 | $42K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 105 | $114K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 105 | $114K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 105 | $114K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 2 | $72K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 105 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.