| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | INC, 100 SUMMIT LAKE DR. STE 400 VALHALLA, NY 10595 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $46K | — | $46K | 9.89% |
| LISA L. HAMLETT3 Filed as: LISA HAMLETT | 100 N. MAIN STREET WINSTON-SALEM, NC 27105 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $123K | — | $123K | 29.09% |
| WELLS FARGO INSURANCE SERVICES3 | PO BOX 203508 DALLAS, TX 75320 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $32K | $3K | $35K | 16.33% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $15K | — | $15K | 12.00% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | PO BOX 203508 DALLAS, TX 75320 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $20K | $1K | $21K | 23.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLORES & ASSOCIATES EIN 56-1542307 CONTRACT ADMINISTRATOR | Other services; Contract Administrator Service code 13 | — | $21K |
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 | 825 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 837 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 1,211 | $423K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 622 | $463K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 598 | $122K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 825 | $212K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 667 | $88K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 1,211 | $423K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 1,211 | $423K |
| Other(2 contracts) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 853 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,211 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.