| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 1213 W MOREHEAD ST STE 410 CHARLOTTE, NC 282085581 | AMERITAS LIFE INSURANCE CORP | $9K | $0 | $9K | 5.73% |
| PLOCH CRAIG3 Filed as: PLOCH, CRAIG, H | 1470 NORWICH WINSTON SALEM, NC 271277338 | AMERITAS LIFE INSURANCE CORP | $5K | $0 | $5K | 2.99% |
| FORREST CHARLES3 Filed as: FORREST, CHARLES, E | 1241 IVERLEIGH TRL CHARLOTTE, NC 282709792 | AMERITAS LIFE INSURANCE CORP | $2K | $0 | $2K | 1.07% |
| TONDA PHILLIPS CORPORTATION3 | 2133 ROCKFORD ST STE 400 MOUNT AIRY, NC 270306595 | AMERITAS LIFE INSURANCE CORP | $325 | $0 | $325 | 0.21% |
| CRAIG PLOCH3 | 1470 NORWICH RD WINSTON SALEM, NC 27127 | KANSAS CITY LIFE | $31K | $0 | $31K | 22.00% |
| NORTH AMERICAN BENEFITS COMPANY5 Filed as: NORTH AMERICAN BENEFITS CO | 2861 CYPRESS VIEW DR GREENVILLE, NC 278581761 | KANSAS CITY LIFE | $0 | $8K | $8K | 6.00% |
| PLOCH CRAIG3 | 1470 NORWICH RD WINSTON SALEM, NC 27127 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.05% |
| FORREST CHARLES3 | 1241 IVERLEIGH TRL CHARLOTTE, NC 28270 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.75% |
| PHILLIPS TONDA3 | 2133 ROCKFORD STREET SUITE 400 MOUNT AIRY, NC 27030 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.89% |
| DAVIS DARRELL E3 | 1804 BEECH LEAF COURT KERNERSVILLE, NC 27284 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $84 | $0 | $84 | 0.14% |
| PLOCH CRAIG3 | 1470 NORWICH RD WINSTON SALEM, NC 27127 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.96% |
| FORREST CHARLES3 | 1241 IVERLEIGH TRL CHARLOTTE, NC 28270 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.73% |
| PHILLIPS TONDA3 | 2133 ROCKFORD STREET SUITE 400 MOUNT AIRY, NC 27030 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $688 | $0 | $688 | 1.29% |
| DAVIS DARRELL E3 | 1804 BEECH LEAF COURT KERNERSVILLE, NC 27284 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $226 | $0 | $226 | 0.43% |
| PLOCH CRAIG3 | 1470 NORWICH RD WINSTON SALEM, NC 27127 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.27% |
| FORREST CHARLES3 | 1241 IVERLEIGH TRL CHARLOTTE, NC 28270 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $916 | $0 | $916 | 3.73% |
| PHILLIPS TONDA3 | 2133 ROCKFORD STREET SUITE 400 MOUNT AIRY, NC 27030 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $517 | $0 | $517 | 2.11% |
| DAVIS DARRELL E3 | 1804 BEECH LEAF COURT KERNERSVILLE, NC 27284 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $96 | $0 | $96 | 0.39% |
| PLOCH CRAIG3 | 1470 NORWICH RD WINSTON SALEM, NC 27127 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.50% |
| FORREST CHARLES3 | 1241 IVERLEIGH TRL CHARLOTTE, NC 28270 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $589 | $0 | $589 | 3.75% |
| PHILLIPS TONDA3 | 2133 ROCKFORD STREET SUITE 400 MT AIRY, NC 27030 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $118 | $0 | $118 | 0.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 2158 RIVERSIDE, CA 92516 | USABLE LIFE | $2K | $0 | $2K | 9.90% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $753 | $0 | $753 | 4.95% |
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 | 307 | 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) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP | 743 | $294K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP | 743 | $294K |
| Life insurance(3 contracts, 3 carriers) | KANSAS CITY LIFE | 307 | $216K |
| Short-term disability | KANSAS CITY LIFE | 119 | $141K |
| Long-term disability | KANSAS CITY LIFE | 119 | $141K |
| Other(6 contracts, 3 carriers) | KANSAS CITY LIFE | 307 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 743 | — |
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."
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.