| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL D WORSMAN3 Filed as: MICHAEL WORSMAN | 3400 CROASDAILE DR STE 206 DURHAM, NC 27705 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $43K | $2K | $44K | 2.12% |
| HAROLD W WELLS & SONS INC3 | ONE NORTH THIRD STREET WILMINGTON, NC 28401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $4K | $15K | 11.69% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD. STE 22 RALEIGH, NC 27612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.95% |
| HAROLD W WELLS & SONS INC3 Filed as: HAROLD W. WELLS & SONS, INC | PO BOX 2320 WILMINGTON, NC 28402 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | — | $15K | 50.58% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | 1612 MARION STREET COLUMBIA, SC 29201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 32.71% |
| THE SORIN INSURANCE GROUP LLC3 Filed as: THE SORIN GROUP | 1312 ANNAPOLIS DRIVE SUITE 203 RALEIGH, NC 27608 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 11.32% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | COMPANION LIFE INSURANCE COMPANY | $668 | — | $668 | 6.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19403 | COMPANION LIFE INSURANCE COMPANY | $103 | — | $103 | 0.95% |
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 198 | $2.1M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $137K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $126K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $167K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 30 | $11K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $137K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 198 | $2.1M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.