| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMILY P. KNOWLES3 | 8049 CORPORATE CENTER DRIVE CHARLOTTE, NC 28226 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $174K | $0 | $174K | 2.44% |
| USI INSURANCE SERVICES LLC3 | 1 HILLCREST DRIVE E CHARLESTON, WV 25311 | DELTA DENTAL OF MICHIGAN | $28K | $518 | $29K | 4.92% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | $3K | $35K | 8.60% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $67K | $2K | $68K | 30.11% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD, SUITE 1400 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $4K | $16K | 21.46% |
| USI INSURANCE SERVICES LLC3 | PO BOX 220948 CHARLOTTE, NC 28222 | UNUM INSURANCE COMPANY | $7K | $829 | $7K | 16.26% |
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 | 960 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 47 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,019 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 1,612 | $7.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 1,808 | $588K |
| Vision | VISION SERVICE PLAN | 740 | $117K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,037 | $638K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,037 | $410K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,037 | $410K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 1,612 | $7.1M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,037 | $756K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,808 | — |
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.