| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT RESOURCES OF THE CAROLINAS3 | 1140 SAM NEWELL ROAD, SUITE D MATTHEWS, NC 28105 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $132K | — | $132K | 4.99% |
| BENEFIT RESOURCES OF THE CAROLINAS3 | 1140 SAM NEWELL ROAD, SUITE D MATTHEWS, NC 28105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $41K | $9K | $50K | 12.23% |
| BENEFIT RESOURCES, INC.3 Filed as: BENEFIT RESOURCES | 1140 SAM NEWELL ROAD, SUITE D MATTHEWS, NC 28105 | DELTA DENTAL OF NEW YORK | $21K | — | $21K | 10.00% |
| BENEFIT RESOURCES OF THE CAROLINAS3 | 1140 SAM NEWELL ROAD, SUITE D MATTHEWS, NC 28105 | EYEMED VISION CARE | $6K | — | $6K | 15.68% |
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 | 189 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 304 | $2.6M |
| Dental | DELTA DENTAL OF NEW YORK | 501 | $206K |
| Vision | EYEMED VISION CARE | 395 | $35K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 189 | $407K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 189 | $407K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 189 | $407K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 304 | $2.6M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 189 | $407K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 501 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.