| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUZANNE K. JOHNSON3 | 5955 CARNEGIE BLVD., STE. 150 CHARLOTTE, NC 28211 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $28K | — | $28K | 2.74% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF SOUTH CAROLINA LLC | 7621 LITTLE AVE., STE. 113 CHARLOTTE, NC 28226 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 5.64% |
| EMPLOYEE BENEFIT ADVISORS OF THE CA3 Filed as: EMPLOYEE BENEFIT ADVISORS CAROLINAS | 5955 CARNEGIE BLVD., STE. 150 CHARLOTTE, NC 28209 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 4.43% |
| EB ADVISORS OF THE CAROLINAS, LLC3 | 5955 CARNEGIE BLVD., STE. 150 CHARLOTTE, NC 28209 | USABLE LIFE INSURANCE COMPANY | $770 | — | $770 | 5.79% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF SOUTH CAROLINA LLC | 7621 LITTLE AVE., STE. 113 CHARLOTTE, NC 28226 | USABLE LIFE INSURANCE COMPANY | $560 | — | $560 | 4.21% |
| SUZANNE K. JOHNSON3 | 5955 CARNEGIE BLVD., STE. 150 CHARLOTTE, NC 28209 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $828 | — | $828 | 11.87% |
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 | 228 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 212 | $1.0M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 95 | $51K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 129 | $7K |
| Life insurance | USABLE LIFE INSURANCE COMPANY | 228 | $13K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 212 | $1.0M |
| Other | USABLE LIFE INSURANCE COMPANY | 228 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.