| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4250 CONGRESS STREET, SUITE 200 CHARLOTTE, NC 28209 | UNITEDHEALTHCARE INSURANCE COMPANY | $35K | $0 | $35K | 2.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 | FOUR RADNOR CORPORATE CETNER 100 MATSONFORD ROAD, SUITE 510 RADNOR, PA 19087 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 0.52% |
| BURCHFIELD INSURANCE GROUP INC3 Filed as: BURCHFIELD INSURANCE GROUP, INC. | PO BOX 3414 CONCORD, NC 28025 | UNITEDHEALTHCARE INSURANCE COMPANY | $120 | $684 | $804 | 0.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 115 CENTRAL ISLAND STREET SUITE 100 CHARLESTON, SC 29492 | STANDARD INSURANCE COMPANY | $9K | $367 | $9K | 9.65% |
| IBSI HOLDINGS INC3 Filed as: IBSI HOLDING, INC. | 1381 OLD MILL CIRCLE, SUITE 301 WINSTON SALEM, NC 27103 | STANDARD INSURANCE COMPANY | $5K | $87 | $5K | 5.09% |
| BURCHFIELD INSURANCE GROUP INC3 Filed as: BURCHFIELD INSURANCE GROUP, INC. | PO BOX 3414 CONCORD, NC 28025 | STANDARD INSURANCE COMPANY | $699 | $0 | $699 | 0.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4064 COLONY ROAD, SUITE 450 CHARLOTTE, NC 28211 | COMMUNITY EYE CARE | $2K | $0 | $2K | 10.00% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 227 | $1.2M |
| Dental | STANDARD INSURANCE COMPANY | 124 | $94K |
| Vision | COMMUNITY EYE CARE | 199 | $19K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 227 | $1.2M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 227 | $1.2M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 227 | $1.2M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 227 | $1.2M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 227 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.