| 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 | $6K | — | $6K | 3.90% |
| HEALTHY STATE INC3 Filed as: HEALTHY STATE, INC | PO BOX 603623 CHARLOTTE, NC 28260 | DELTA DENTAL OF NORTH CAROLINA | $2K | — | $2K | 1.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC | PO BOX 31817 CHARLOTTE, NC 28231 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $494 | $8K | 13.47% |
| HEALTHY STATE INC3 Filed as: HEALTHY STATE | 1940 HENDERSONVILLE ROAD ASHEVILLE, NC 28803 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 2.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC | PO BOX 31817 CHARLOTTE, NE 28231 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $271 | $4K | 13.54% |
| HEALTHY STATE INC3 Filed as: HEALTHY STATE | 1940 HENDERSONVILLE ROAD ASHEVILLE, NC 28803 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $700 | — | $700 | 2.38% |
| 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 | 7.63% |
| HEALTHY STATE INC3 Filed as: HEALTHY STATE INC. | 1940 HENDERSONVILLE ROAD ASHEVILLE, NC 28803 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $104 | — | $104 | 0.73% |
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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 312 | $141K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 148 | $14K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 197 | $57K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 197 | $29K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 197 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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.