| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $24K | $1K | $25K | 1.99% |
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $1K | $16K | 19.08% |
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $5K | $8K | 10.31% |
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 8.36% |
| MARY ELLEN ESPOSITO3 | PO BOX 90891 RALEIGH, NC 27675 | CONTINENTAL AMERICAN INSURANCE COMPANY | $525 | — | $525 | 1.29% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DR #602 DURHAM, NC 27707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $285 | — | $285 | 0.70% |
| ELIZABETH MANGUM3 Filed as: ELIZABETH W MANGUM | 3919 WENTWORTH DR DURHAM, NC 27707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $220 | — | $220 | 0.54% |
| LARRY A WESTON JR3 | 209 BRISTOL CT GREENVILLE, NC 27834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $209 | — | $209 | 0.51% |
| TEATORS INS PROTECTION SERVICES3 | 519 SHERWOOD FOREST PL CARY, NC 27513 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.06% |
| STEPHANIE L HONEYCUTT3 | 6 ROSEMEADE PLACE DURHAM, NC 27712 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.06% |
| GORDON K VANN3 | 2156 WESLEY LANE GREENVILLE, NC 27856 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| LARA K GRANDE3 Filed as: LARA GRANDE | 204 E ARLINGTON BLVD UNIT C GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| LAUREN E SKINNER3 | 204 E ARLINGTON BLVD STE C GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| ELIZABETH MANGUM3 | 3919 WENTWORTH DRIVE DURHAM, NC 27707 | AFLAC | $1K | — | $1K | 9.65% |
| STEPHANIE HONEYCUTT3 | 6 ROSEMEADE PLACE DURHAM, NC 27712 | AFLAC | $325 | — | $325 | 2.41% |
| JILL DENTON3 | 3500 WESTGATE DR, STE 602 DURHAM, NC 27707 | AFLAC | $126 | — | $126 | 0.93% |
| STEPHEN W CROTTS SR3 Filed as: STEPHEN CROTTS SR | 514 EAST THIRD ST, STE C SILER CITY, NC 27344 | AFLAC | $100 | — | $100 | 0.74% |
| LARRY WESTON JR3 | 321 WINDSOR RD GREENVILLE, NC 27858 | AFLAC | $63 | — | $63 | 0.47% |
| J MICHAEL BUTLER3 | 1440 A OLD LENOIR RD NW HICKORY, NC 28601 | AFLAC | $33 | — | $33 | 0.24% |
| JERRY OLIVER CREECH3 Filed as: JERRY CREECH | 233 MIDDLE ST, STE 214 NEW BERN, NC 28560 | AFLAC | $23 | — | $23 | 0.17% |
| ROBERT HUSTON3 | 1085 OLD FAIRGROUND RD WILLOW SPRINGS, NC 27593 | AFLAC | $22 | — | $22 | 0.16% |
| TEATOR'S INS PROTECTION SERVICES3 Filed as: TEATOR'S INSURANCE PROTECTION SERVI | 524 TROUTWOOD PL FUQUAY VARINA, NC 27526 | AFLAC | $19 | — | $19 | 0.14% |
| REBECCA WOOD3 | 2805 CHELSEA CIRCLE DURHAM, NC 27707 | AFLAC | $12 | — | $12 | 0.09% |
| DAVID MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $9 | — | $9 | 0.07% |
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $837 | $70 | $907 | 14.96% |
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 | 157 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 217 | $1.3M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 130 | $88K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 156 | $91K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 156 | $125K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 156 | $84K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 217 | $1.3M |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 85 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.