| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN D WINTERMUTE3 | 301 S. TRYON STREET SUITE 2600 CHARLOTTE, NC 28282 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $10K | — | $10K | 0.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | PO BOX 31817 CHARLOTTE, NC 28231 | HARTFORD LIFE AND ACCIDENT | $23K | — | $23K | 15.00% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | 4611 UNIVERSITY DR DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | — | $11K | $11K | 7.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS. SRVC WEST | 801 S FIGUEROA STREET SUITE 800 LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 0.89% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | ASHLEY BAILEYREG.ACCTOORD. CHARLOTTE, NC 28290 | DELTA DENTAL OF NORTH CAROLINA | $2K | — | $2K | 1.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | 214 N TRYON STREET SUITE 2500 CHARLOTTE, NC 28202 | DELTA DENTAL OF NORTH CAROLINA | $177 | — | $177 | 0.19% |
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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 186 | $1.3M |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 219 | $94K |
| Vision | VISION SERVICE PLAN | 82 | $12K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 143 | $156K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 143 | $156K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 143 | $156K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 186 | $1.3M |
| Other | HARTFORD LIFE AND ACCIDENT | 143 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.