| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $49K | $1K | $50K | 2.98% |
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 5.64% |
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 8.30% |
| TIMOTHY WARREN MUIR3 | 2929 WILMOT AVE. COLUMBIA, SC 29205 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.22% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC | 4700 FALLS OF NEUSE RD STE 320 RALEIGH, NC 27609 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $687 | — | $687 | 1.75% |
| MARC JESSUP3 Filed as: MARC JESSUP INSURANCE | PO BOX 12890 NEW BERN, NC 28561 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $293 | — | $293 | 0.75% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $232 | — | $232 | 0.59% |
| MICHAEL EDWARD MCGINNISS3 Filed as: MICHAEL W. JOHNSON | PO BOX 2483 LEXINGTON, SC 29071 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $170 | — | $170 | 0.43% |
| JEFFERY J. JOHNSON3 | 119 HARVEST HILL TRAIL LEXINGTON, SC 29072 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $170 | — | $170 | 0.43% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE SERVICES INC. | PO BOX 327 GARNER, NC 27529 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63 | — | $63 | 0.16% |
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 | 213 | 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) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 358 | $1.7M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 323 | $162K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 323 | $162K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 358 | $1.7M |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 76 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.