| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSH WILLIAMS ENTERPRISES INC3 Filed as: JOSH WILLIAMS ENTERPRISES | PO BOX 2287 SKYLAND, NC 287762287 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $57K | $57K | 2.75% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA LLC | PO BOX 2287 SKYLAND, NC 287762287 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $37K | $37K | 1.78% |
| JOSH WILLIAMS ENTERPRISES INC3 Filed as: JOSH WILLIAMS ENTERPRISES, INC. | JOSH WILLIAMS PO BOX 2287 SKYLAND, NC 287762287 | DELTA DENTAL OF NORTH CAROLINA | $21K | — | $21K | 12.26% |
| IBSI HOLDINGS INC3 Filed as: IBSI HOLDINGS, INC. | MICHAEL CORTESE PO BOX 24337 WINSTON SALEM, NC 271144337 | DELTA DENTAL OF NORTH CAROLINA | $8K | — | $8K | 4.93% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP LLC OF NORTH CAROLINA | JOSH WILLIAMS 4010 OLEANDER DR SUITE 11 WILMINGTON, NC 28403 | DELTA DENTAL OF NORTH CAROLINA | $4K | — | $4K | 2.54% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA LLC | 6802 PARAGON PL STE 200 RICHMOND, VA 23230 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 9.53% |
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 | 238 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 205 | $2.1M |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 292 | $169K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 227 | $31K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 227 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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.
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.