| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BANKERS INSURANCE LLC3 | PO BOX 20 ASHEVILLE, NC 28802 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | — | $37K | 9.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP LLC OF NORTH CAROLIN | 4010 OLEANDER DRIVE SUITE 11 WILMINGTON, NC 28403 | DELTA DENTAL OF NORTH CAROLINA | $26K | — | $26K | 7.70% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | HEALTHKEEPERS, INC. | $4K | — | $4K | 1.80% |
| BANKERS INSURANCE LLC3 | PO BOX 20 ASHEVILLE, NC 28802 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | — | $18K | 10.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NC, LLC | 64 LONG SHOALS ROAD SUITE 10 ARDEN, NC 28704 | SUN LIFE ASSURANCE COMPANY OF CANADA | $24K | — | $24K | 15.05% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NORTH CAROLINA | 64 LONG SHOALS ROAD ARDEN, NC 28704 | SUN LIFE ASSURANCE COMPANY OF CANADA | $35K | — | $35K | 31.41% |
| BANKERS INSURANCE LLC3 | PO BOX 20 ASHEVILLE, NC 28802 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 15.01% |
| JOSH WILLIAMS ENTERPRISES INC3 Filed as: JOSH WILLIAMS ENTERPRISES, INC. | PO BOX 2287 SKYLAND, NC 28776 | AETNA LIFE INSURANCE CO. | $6K | — | $6K | 7.59% |
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 | 680 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 41 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 729 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHKEEPERS, INC. | 17 | $248K |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 988 | $333K |
| Vision(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 902 | $323K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,006 | $163K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 744 | $176K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 297 | $490K |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,006 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,006 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.