| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEST RIDGE INSURANCE AGENCY, INC.3 Filed as: WEST MARKET STREET PARTNERS, INC. | — | PREFERRED HEALTH PLAN OF THE CAROLINAS | $28K | — | $28K | 14.98% |
| CP GREENSBORO, INC.3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $544 | $4K | 11.80% |
| CP GREENSBORO, INC.3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.02% |
| CP GREENSBORO, INC.3 | — | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 11.00% |
| CP GREENSBORO, INC.3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $211 | $1K | 11.76% |
| CP GREENSBORO, INC.3 | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $356 | — | $356 | 3.36% |
| CP GREENSBORO, INC.3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 28.35% |
| CP GREENSBORO, INC.3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $498 | — | $498 | 15.00% |
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 | 99 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREFERRED HEALTH PLAN OF THE CAROLINAS | 0 | $190K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 89 | $8K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 83 | $13K |
| Life insurance(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 45 | $14K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99 | $37K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 98 | $30K |
| Prescription drug | PREFERRED HEALTH PLAN OF THE CAROLINAS | 0 | $190K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 77 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 99 | — |
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.