| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAKE NORMAN BENEFITS INC3 Filed as: LAKE NORMAN BENEFITS | 331 ALCOVE ROAD SUITE 200 MOORESVILLE, NC 28117 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $48K | — | $48K | 10.16% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $24K | $24K | 5.08% |
| LAKE NORMAN BENEFITS INC3 Filed as: LAKE NORMAN BENEFITS | 331 ALCOVE ROAD SUITE 200 MOORESVILLE, NC 28117 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | — | $8K | 4.38% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $6K | $6K | 3.51% |
| LAKE NORMAN BENEFITS INC3 | 331 ALCOVE ROAD SUITE 200 MOORESVILLE, NC 28117 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 12.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 5.00% |
| LAKE NORMAN BENEFITS INC3 | 331 ALCOVE ROAD SUITE 200 MOORESVILLE, NC 28117 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 12.00% |
| PROFESSINAL GROUP PLANS3 | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 5.00% |
| LAKE NORMAN BENEFITS INC3 | 331 ALCOVE ROAD SUITE 200 MOORESVILLE, NC 28117 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 12.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 5.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NC LLC | 331 ALCOVE ROAD SUITE 200 MOORESVILLE, NC 28117 | ALLSTATE | $6K | — | $6K | 20.85% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | ALLSTATE | $489 | — | $489 | 1.76% |
| DENNIS WHITE3 | 12208 WOODSIDE FALLS ROAD PINEVILLE, NC 28134 | ALLSTATE | $6 | — | $6 | 0.02% |
| BENCHMARK INS GROUP LLC3 | PO BOX 470845 CHARLOTTE, NC 28247 | ALLSTATE | $3 | — | $3 | 0.01% |
| MESSER FINANCIAL GROUP INC3 | 4301 MORRIS PARK DRIVE MINT HILL, NC 28227 | ALLSTATE | $3 | — | $3 | 0.01% |
| LAKE NORMAN BENEFITS INC3 Filed as: LAKE NORMAN BENEFITS | 331 ALCOVE ROAD SUITE 200 MOORESVILLE, NC 28117 | HEALTHIEST YOU | $692 | — | $692 | 5.00% |
| LAKE NORMAN BENEFITS INC3 | 331 ALCOVE ROAD SUITE 200 MOORESVILLE, NC 28117 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $881 | — | $881 | 12.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $367 | $367 | 5.00% |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 137 | $177K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 137 | $177K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 159 | $88K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 159 | $51K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 159 | $39K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 130 | $475K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 160 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.