| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM W. PLYLER3 | PO BOX 220948 CHARLOTTE, NC 28222 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $50K | $0 | $50K | 4.35% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $4K | $11K | 10.95% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.71% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $2K | $5K | 14.72% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $902 | $0 | $902 | 2.68% |
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS | 6525 MORRISON BOULEVARD, SUITE 215 CHARLOTTE, NC 28211 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $335 | $0 | $335 | 2.23% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 6525 MORRISON BOULEVARD, SUITE 215 CHARLOTTE, NC 28211 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $43 | $0 | $43 | 0.29% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $32 | $0 | $32 | 0.21% |
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 | 181 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 208 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 259 | $99K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 196 | $15K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 259 | $99K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 74 | $34K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 74 | $34K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 208 | $1.1M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 259 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.