| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA LLC | 331 ALCOVE ROAD SUITE 200 MOORESVILLE, NC 28117 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $57K | — | $57K | 1.87% |
| DAVID C CONTORNO3 | 331 ALCOVE ROAD SUITE 200 MOORESVILLE, NC 28117 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $5K | — | $5K | 0.17% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA L | 4010 OLEANDER DRIVE SUITE 11 PO BOX 4849 WILMINGTON, NC 28403 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34K | — | $34K | 14.60% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA LLC | 331 ALCOVE ROAD SUITE 200 MOORESVILLE, NC 28117 | AMERICAN UNITED LIFE INSURANCE COMPANY A ONE AMERICA COMPANY | $14K | $4K | $18K | 19.05% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA LLC | 331 ALCOVE ROAD SUITE 200 MOORESVILLE, NC 28117 | UNION SECURITY INSURANCE COMPANY | $24K | — | $24K | 35.05% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA LLC | 331 ALCOVE ROAD SUITE 200 MOORESVILLE, NC 28117 | UNION SECURITY INSURANCE COMPANY | $20K | — | $20K | 30.09% |
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 | 432 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 450 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 372 | $3.0M |
| Vision | EYEMED | 745 | $35K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 524 | $327K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 524 | $232K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 524 | $232K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 524 | $395K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 745 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.