| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BICKLEY, BRYAN L3 | PO BOX 10489 LYNCHBURG, VA 24506 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $49K | $2K | $50K | 3.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BOULEVARD SUITE 200 DURHAM, NC 27703 | UNION SECURITY INSURANCE COMPANY | $7K | — | $7K | 3.85% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SONS INC | 4700 FALLS OF NEUSE SUITE 320 RALEIGH, NC 27609 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 1.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4819 EMPEROR BLVD SUITE 200 DURHAM, NC 27703 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 9.77% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC. | 4700 FALLS OF NEUSE ROAD SUITE 320 RALEIGH, NC 27609 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 2.86% |
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 Filed as: HCW EMPLOYEE BENEFITS SERVICES LLC | 4819 EMPEROR BLVD SUITE 200 DURHAM, NC 27703 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 0.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BOULEVARD SUITE 200 DURHAM, NC 27703 | SUN LIFE ASSURANCE COMPANY OF CANADA | $248 | — | $248 | 9.29% |
| JAMES A SCOTT & SON INC3 | 4700 FALLS OF NEUSE ROAD SUITE 320 RALEIGH, NC 27609 | SUN LIFE ASSURANCE COMPANY OF CANADA | $151 | — | $151 | 5.66% |
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 Filed as: HCW EMPLOYEE BENEFIT SERVICES | 4819 EMPEROR BOULEVARD SUITE 200 DURHAM, NC 27703 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13 | — | $13 | 0.49% |
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 | 251 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 223 | $1.6M |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 240 | $325K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 223 | $1.8M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 240 | $155K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 240 | $155K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 240 | $155K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 223 | $1.6M |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 240 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.
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.