| 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 | $23K | — | $23K | 14.57% |
| CP GREENSBORO, INC.3 | 3707-C WEST MARKET STREET GREENSBORO, NC 27403 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 13.77% |
| CP GREENSBORO, INC.3 | 3707-C WEST MARKET STREET GREENSBORO, NC 27403 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $421 | — | $421 | 2.34% |
| CP GREENSBORO, INC.3 | 3707-C WEST MARKET STREET GREENSBORO, NC 27403 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| CP GREENSBORO, INC.3 | 3707-C WEST MARKET STREET GREENSBORO, NC 27403 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $95 | — | $95 | 1.16% |
| CP GREENSBORO, INC.3 | 3707-C WEST MARKET STREET GREENSBORO, NC 27403 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 26.93% |
| CP GREENSBORO, INC.3 | 3707-C WEST MARKET STREET GREENSBORO, NC 27403 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $569 | — | $569 | 10.00% |
| CP GREENSBORO, INC.3 | 3707-C WEST MARKET STREET GREENSBORO, NC 27403 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $403 | — | $403 | 14.99% |
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 | 90 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 90 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREFERRED HEALTH PLAN OF THE CAROLINAS | 0 | $158K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 81 | $7K |
| Vision | PREFERRED HEALTH PLAN OF THE CAROLINAS | 0 | $158K |
| Life insurance(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 41 | $17K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 41 | $18K |
| Long-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 100 | $56K |
| Prescription drug | PREFERRED HEALTH PLAN OF THE CAROLINAS | 0 | $158K |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 100 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.