| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES K UPCHURCH3 Filed as: CHARLES UPCHURCH | PO BOX 13941 DURHAM, NC 27709 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $58K | $1K | $59K | 2.77% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 1020 DRAYTON ST, 2ND FL, SUITE 200 SAVANNAH, GA 31401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $5K | $10K | 5.24% |
| BANYAN CONSULTING GROUP INC3 Filed as: BANYAN CONSULTING GROUP, INC. | 333 NORTH GREEN STREET, SUITE 101 GREENSBORO, NC 27401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 13.90% |
| CONSOLIDATED PLANNING HOLDINGS3 | 4201 CONGRESS STREET, SUITE 295 CHARLOTTE, NC 28209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $37 | — | $37 | 0.08% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | PO BOX 13941 DURHAM, NC 27709 | USABLE LIFE | $2K | — | $2K | 9.16% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | — | $2K | 7.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLORES & ASSOCIATES, LLC EIN 56-1542307 ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 31397 CHARLOTTE, NC 282311397 | $17K |
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 | 400 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 400 | $2.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 231 | $190K |
| Life insurance | USABLE LIFE | 262 | $25K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 261 | $44K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 261 | $44K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 400 | $2.1M |
| Other | USABLE LIFE | 262 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.