| 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 | $27K | — | $27K | 13.86% |
| CP GREENSBORO, INC.3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| CP GREENSBORO, INC.3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $763 | — | $763 | 3.28% |
| CP GREENSBORO, INC.3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| CP GREENSBORO, INC.3 | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $312 | — | $312 | 3.09% |
| CP GREENSBORO, INC.3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 27.46% |
| CP GREENSBORO, INC.3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $811 | — | $811 | 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 | 108 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREFERRED HEALTH PLAN OF THE CAROLINAS | 0 | $198K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 91 | $8K |
| Vision | PREFERRED HEALTH PLAN OF THE CAROLINAS | 0 | $198K |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $28K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 72 | $23K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $30K |
| Prescription drug | PREFERRED HEALTH PLAN OF THE CAROLINAS | 0 | $198K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 72 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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.