| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA LLC | 109 PROFESSIONAL PARK DRIVE SUITE 102 MOORESVILLE, NC 28117 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $3K | $21K | 6.83% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NORTH CAROLINA LL | 109 PROFESSIONAL PARK DRIVE SUITE 102 MOORESVILLE, NC 28117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 27.90% |
| LAKE NORMAN BENEFITS INC3 Filed as: LAKE NORMAN BENEFITS | 331 ALCOVE ROAD SUITE 200 MOORESVILLE, NC 28117 | HEALTHIEST YOU | $545 | — | $545 | 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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $304K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $304K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $304K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $304K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $304K |
| Prescription drug | PROACT, INC. | 129 | $4K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 131 | $517K |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $353K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.