| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOY HEILMAN3 Filed as: JOY BINKLEY | 4819 EMPEROR BLVD SUITE 200 DURHAM, NC 27703 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $33K | $0 | $33K | 1.63% |
| WES BARTLETT3 | PO BOX 9375 GREENSBORO, NC 27429 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $21K | $0 | $21K | 1.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | HARTFORD LIFE AND ACCIDENT | $11K | $0 | $11K | 8.84% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | 4611 UNIVERSITY DR DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | $0 | $9K | $9K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 5605 CARNEGIE BOULEVARD SUITE 300 CHARLOTTE, NC 28209 | HARTFORD LIFE AND ACCIDENT | $6K | $0 | $6K | 4.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $2K | $23K | 47.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N. ELM STREET GREENSBORO, NC 27455 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 12.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4819 EMPORER BOULEVARD SUITE 200 DURHAM, NC 27703 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN MARSH MCLENNAN AGENCY LLC | 3625 NORTH ELM STREET SUITE 200 GREENSBORO, NC 27455 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $543 | $0 | $543 | 2.54% |
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 | 221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 388 | $2.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 209 | $48K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 313 | $21K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 191 | $125K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 191 | $125K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 388 | $2.0M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 209 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.