| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARON PLANNING CORPORATION3 | — | COVENTRY HEALTH CARE OF THE CAROLINAS | $50K | $18K | $68K | 2.44% |
| CAROLINA FIRST ASSOCIATES LLC3 | P.O. BOX 2424 HICKORY, NC 28603 | COVENTRY HEALTH CARE OF THE CAROLINAS | $19K | $19K | $38K | 1.38% |
| CHARON PLANNING CORPORATION3 | C/O CHRISTOPHER GAVIGAN 2600 KELLY ROAD WARRINGTON, PA 18976 | COVENTRY HEALTH AND LIFE | $4K | — | $4K | 1.89% |
| CAROLINA FIRST ASSOCIATES LLC3 Filed as: CAROLINA FIRST ASSOCIATES | P.O. BOX 2424 HICKORY, NC 28603 | COVENTRY HEALTH AND LIFE | $1K | — | $1K | 0.61% |
| CAROLINA FIRST ASSOCIATES LLC3 | P.O. BOX 2424 HICKORY, NC 28603 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $8K | $14K | 6.39% |
| CHARON PLANNING CORPORATION3 | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 4.11% |
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 | 656 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 657 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COVENTRY HEALTH CARE OF THE CAROLINAS | 484 | $3.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 614 | $217K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 614 | $217K |
| Prescription drug(2 contracts, 2 carriers) | COVENTRY HEALTH CARE OF THE CAROLINAS | 484 | $3.0M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 614 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 614 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.