| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TERRY G. REGISTER | 11550 COMMON OAKS DR STE 202 RALEIGH, NC 27587 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $19K | $20K | $39K | 4.06% |
| CAPITAL INS PLANNING Filed as: CAPITAL MARKETING GROUP INC | 12316 HAMPTON WAY STE 101 WAKE FOREST, NC 27587 | GUARDIAN LIFE INSURANCE COMPANY | $16K | $2K | $19K | 14.59% |
| CAPITAL INS PLANNING | PO BOX 1409 WAKE FOREST, NC 27588 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| BRAVO SIX, LLC DBA COMPREHENSIVE BE | STE 101 7761 BALLANTYNE COMMONS CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $117 | — | $117 | 3.48% |
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 | 186 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 170 | $954K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 161 | $128K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 161 | $128K |
| Life insurance(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 161 | $143K |
| Short-term disability | AFLAC LIFE INSURANCE COMPANY | 0 | $0 |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 170 | $954K |
| Other | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 14 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.