| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | 301 S TRYON ST CHARLOTTE, NC 28282 | DELTA DENTAL OF NORTH CAROLINA | $7K | — | $7K | 5.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC | PO BOX 31817 CHARLOTTE, NC 28231 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $3K | $11K | 19.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC | PO BOX 31817 CHARLOTTE, NE 28231 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $1K | $6K | 19.20% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 2000 CENTER POINT ROAD SUITE 2400 COLUMBIA, SC 29210 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.03% |
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 | 205 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 356 | $142K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 172 | $12K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 205 | $58K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 205 | $32K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 205 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.