| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM L WOOLARD JR3 | 520 MCNINCH STREET CHARLOTTE, NC 28202 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $31K | — | $31K | 2.78% |
| BRYAN M THOMAS3 | 7300 CARMEL EXEC PARK STE 315 CHARLOTTE, NC 28226 | COMPANION LIFE | $6K | — | $6K | 2.17% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | 1612 MARION ST COLUMBIA, SC 29201 | COMPANION LIFE | $4K | — | $4K | 1.35% |
| MICHAEL THOMAS3 | 1204 INN KEEPERS WAY CORNELIUS, NC 28031 | COMPANION LIFE | $3K | — | $3K | 0.93% |
| WOOLARD FINANCIAL ADVISORS3 | PO BOX 32277 CHARLOTTE, NC 28232 | USABLE LIFE | — | $1K | $1K | 10.00% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $1K | — | $1K | 8.00% |
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 | 161 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 205 | $1.1M |
| Dental | COMPANION LIFE | 147 | $279K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 205 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE | 147 | $292K |
| Short-term disability | COMPANION LIFE | 147 | $279K |
| Long-term disability | COMPANION LIFE | 147 | $279K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 205 | $1.1M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 205 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.