| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | PO BOX 198 GREER, SC 29454 | UNITED HEALTHCARE INSURANCE COMPANY | — | $28K | $28K | 4.17% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA LLC | 150 FAIRVIEW RD., STE. 320 MOORESVILLE, NC 28177 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 12.65% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NORTH CAROLINA | 7621 LITTLE AVE., STE. 113 CHARLOTTE, NC 28226 | COMMUNITY EYE CARE | $973 | — | $973 | 10.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 150 FAIRVIEW RD., STE. 320 MOORESVILLE, NC 28117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $544 | $2K | 20.84% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 150 FAIRVIEW RD., STE. 320 MOORESVILLE, NC 28117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $530 | $289 | $819 | 15.44% |
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 | 103 | 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) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 105 | $666K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $40K |
| Vision | COMMUNITY EYE CARE | 116 | $10K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 103 | $15K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 103 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.