| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA LL | 109 PROFESSIONAL PARK DRIVE SUITE 102 MOORESVILLE, NC 28117 | BLUECROSS BLUESHIELD OF ILLINOIS | $43K | — | $43K | 2.96% |
| MUTUAL MED BENEFIT ADMINISTRATORS3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $22K | — | $22K | 1.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFITS SERVICE | — | BLUECROSS BLUESHIELD OF ILLINOIS | $14K | — | $14K | 0.94% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA L | 109 PROFESSIONAL PARK DRIVE SUITE 102 MOORESVILLE, NC 28117 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $11K | $24K | 7.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFITS SE | 4933 LINCOLN AVENUE LISLE, IL 60532 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 2.25% |
| 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 | $4K | — | $4K | 14.39% |
| LAKE NORMAN BENEFITS INC3 Filed as: LAKE NORMAN BENEFITS | 331 ALCOVE ROAD SUITE 200 MOORESVILLE, NC 28117 | HEALTHIEST YOU | $883 | — | $883 | 7.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER | 750 WARRENVILLE ROAD LISLE, IA 60532 | HEALTHIEST YOU | $883 | — | $883 | 7.50% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 309 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 158 | $329K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 158 | $329K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 158 | $329K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 158 | $329K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 158 | $329K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 158 | $369K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.