| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 601478 CHARLOTTE, NC 28260 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $74K | $0 | $74K | 22.11% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 2975 REGENT BOULEVARD IRVING, TX 75063 | DELTA DENTAL OF NORTH CAROLINA | $22K | $0 | $22K | 9.38% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 100 NORTH MAIN STREET WINSTON SALEM, NC 27150 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $908 | $11K | 29.34% |
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 | 894 | 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) | 894 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TELADOC | 1,132 | $3K |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 887 | $236K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 894 | $374K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 894 | $336K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 894 | $336K |
| Prescription drug | TELADOC | 1,132 | $3K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 894 | $336K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,132 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.