| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLOCH CRAIG H3 Filed as: PLOCH CRAIG | 1470 NORWICH RD WINSTON SALEM, NC 27127 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | $0 | $16K | 14.02% |
| FORREST CHARLES3 | 1241 IVERLEIGHT TRAIL CHARLOTTE, NC 28270 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.00% |
| PHILLIPS TONDA3 | 2133 ROCKFORD STREET SUITE 400 MOUNT AIRY, NC 27030 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.23% |
| DAVIS DARRELL E3 | 1804 BEECH LEAF COURT KERNERSVILLE, NC 27284 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $368 | $0 | $368 | 0.33% |
| PLOCH CRAIG H3 Filed as: PLOCH, CRAIG, H | 1470 NORWICH RD WINSTON SALEM, NC 271277338 | AMERITAS LIFE INSURANCE CORP | $8K | $0 | $8K | 7.00% |
| FORREST CHARLES3 Filed as: FORREST, CHARLES, E | 1241 IVERLEIGHT TRL CHARLOTTE, NC 282709792 | AMERITAS LIFE INSURANCE CORP | $3K | $0 | $3K | 2.50% |
| TONDA PHILLIPS CORPORATION3 | 2133 ROCKFORD ST STE 400 MOUNT AIRY, NC 270306595 | AMERITAS LIFE INSURANCE CORP | $537 | $0 | $537 | 0.50% |
| PLOCH CRAIG H3 Filed as: PLOCH CRAIG | 1470 NORWICH RD WINSTON SALEM, NC 27127 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.50% |
| FORREST CHARLES3 | 1241 IVERLEIGH TRAIL CHARLOTTE, NC 28270 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $567 | $0 | $567 | 3.75% |
| PHILLIPS TONDA3 | 2133 ROCKFORD STREET SUITE 400 MT AIRY, NC 27030 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $113 | $0 | $113 | 0.75% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | USABLE LIFE | $1K | $0 | $1K | 7.23% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $691 | $0 | $691 | 4.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 2158 RIVERSIDE, CA 92516 | USABLE LIFE | $375 | $0 | $375 | 2.69% |
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 | 276 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 345 | $107K |
| Vision | AMERITAS LIFE INSURANCE CORP | 345 | $107K |
| Life insurance | USABLE LIFE | 281 | $14K |
| Other(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 284 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.