| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM L WOOLARD JR3 Filed as: WILLIAM L. WOOLARD, JR | 520 MCNINCH STREET CHARLOTTE, NC 28202 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $36K | — | $36K | 3.72% |
| BRYAN M THOMAS3 | — | COMPANION LIFE | $6K | — | $6K | 4.86% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | — | COMPANION LIFE | $4K | — | $4K | 3.03% |
| MICHAEL THOMAS3 | — | COMPANION LIFE | $2K | — | $2K | 2.08% |
| WOOLARD FINANCIAL ADVISORS3 | 520 MCNINCH STREET CHARLOTTE, NC 28202 | USABLE LIFE | $1K | — | $1K | 10.00% |
| MOSAIC GROUP SERVICES2 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $923 | — | $923 | 8.00% |
| WILLIAM L WOOLARD JR3 Filed as: WILLIAM L. WOOLARD, JR | 520 MCNINCH STREET CHARLOTTE, NC 28202 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $1K | — | $1K | 11.16% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 175 | $963K |
| Dental | COMPANION LIFE | 135 | $117K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 179 | $11K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE | 142 | $129K |
| Short-term disability | COMPANION LIFE | 135 | $117K |
| Long-term disability | COMPANION LIFE | 135 | $117K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 175 | $963K |
| Other(2 contracts, 2 carriers) | COMPANION LIFE | 142 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.