| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | PO BOX 31817 CHARLOTTE, NC 282311817 | METROPOLITAN LIFE INSURANCE COMPANY | — | $19K | $19K | 1.41% |
| BRIAN FOLEY3 | PO BOX 31817 CHARLOTTE CHARLOTTE, NC 28231 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $5K | — | $5K | 0.86% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS LIST ATTACHED | — | AFLAC | $38K | $327 | $38K | 21.14% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS LIST ATTACHED | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19K | $357 | $20K | 13.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 59-0894904 CLAIMS ADMINISTRATION | Claims processing Service code 12 | — | $1.0M |
| EMPLOYEE ASSISTANCE NETWORK EIN 20-5468358 EMPLOYEE ASSISTANCE PROG | Other fees; Contract Administrator Service code 13 | 417 BILTMORE AVENUE DOCTOR'S PARK SUITE 3-C ASHEVILLE, NC 28801 | $19K |
| BRIAN FOLEY BROKER | Insurance agents and brokers Service code 22 | PO BOX 31817 CHARLOTTE, NC 28321 | $5K |
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 | 2,232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 5,398 | $601K |
| Dental | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 5,398 | $601K |
| Vision | COMMUNITY EYE CARE | 2,648 | $107K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,287 | $1.5M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,287 | $1.5M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,287 | $1.3M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 5,398 | $601K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,287 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,398 | — |
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.