| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALPHONSE A MASELLA, JR3 | 919 KILDAIRE FARM ROAD CARY, NC 27511 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $39K | — | $39K | 4.04% |
| INSURANCE PROFESSIONALS INC3 | 919 KILDAIRE FARM ROAD CARY, NC 275113935 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | — | $25K | 11.90% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $4K | $12K | 5.94% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9K | $9K | 4.48% |
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 | 421 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 421 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 219 | $973K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 421 | $208K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 421 | $208K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 421 | $208K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 421 | $208K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 421 | $208K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 219 | $973K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 421 | $208K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 421 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.