| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHILIP J BOUCHARD3 | 115 N. THIRD STREET, 5TH FLOOR WILMINGTON, NC 28401 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | — | $3K | $3K | 0.27% |
| BB&T - BLUE RIDGE BURKE3 | PO BOX 168 WINSTON-SALEM, NC 27102 | UNION SECURITY INSURANCE COMPANY | $8K | $2K | $10K | 12.97% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | PO BOX 211486 COLUMBIA, SC 29221 | UNION SECURITY INSURANCE COMPANY | $0 | $2K | $2K | 2.00% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 16.24% |
| SELECT BNFT SOLUTION LLC3 Filed as: SELECT BENEFIT SOLUTIONS LLC | PO BOX 1370 MT PLEASANT, SC 29465 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 9.46% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DR #602 DURHAM, NC 27707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $467 | — | $467 | 1.74% |
| JANE W BARNHILL3 | 3721 HUDSON ROAD MASCOT, TN 37806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.06% |
| LAUREN E SKINNER3 | 204 E ARLINGON BLVD GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.05% |
| CATHERINE L LEE3 | 10 NUN ST WILMINGTON, NC 28401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.05% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS INC | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 276124989 | ALLSTATE BENEFITS | $1K | — | $1K | 11.19% |
| SELECT BNFT SOLUTION LLC3 | PO BOX 1370 MT PLEASANT, SC 29465 | ALLSTATE BENEFITS | $1K | — | $1K | 11.05% |
| PHILIP J BOUCHARD3 | 115 N. THIRS STREET, 5TH FLOOR WILMINGTON, NC 28401 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $902 | — | $902 | 9.18% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 198 | $959K |
| Dental | UNION SECURITY INSURANCE COMPANY | 152 | $79K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 198 | $10K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 152 | $106K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 83 | $27K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 163 | $937K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 152 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.