| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT C. ANDERSON3 | 6100 FAIRVIEW RD, SUITE 800 PO BOX 220748 CHARLOTTE, NC 28222 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $64K | — | $64K | 2.15% |
| WELLS FARGO INSURANCE SERVICES3 | 10 SOUTH WACKER DRIVE 17TH FLOOR CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $59K | $10K | $69K | 11.50% |
| WELLS FARGO INSURANCE SERVICES3 | 25 BULL STREET 4TH FLOOR SAVANNAH, GA 31401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 3.36% |
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 | 731 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 733 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 767 | $3.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 731 | $602K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 731 | $602K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 731 | $602K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 731 | $602K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 767 | $3.0M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 731 | $602K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 767 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.