| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GEORGE CHADWICK & COMPANY INC3 | 3301 WRIGHTSVILLE AVE WILMINGTON, NC 28403 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $10K | $19K | 1.85% |
| GEORGE CHADWICK & COMPANY INC3 Filed as: GEORGE CHADWICK INSURANCE | 3301 WRIGHTSVILLE AVE WILMINGTON, NC 28403 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 12.73% |
| CLAUDE C. BRIDGER INSURANCE ASSOC3 | 3301 WRIGHTSVILLE AVENUE WILMINGTON, NC 28403 | COMMUNITY EYE CARE | $2K | — | $2K | 13.00% |
| DANIEL F. VULIN4 | 104 E. BRIDGE CT CAROLINA BEACH, NC 28428 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | — | $1K | 10.53% |
| JOHN WYNN4 | 849 ISLE OF PALM WAY WILMINGTON, NC 28412 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $834 | — | $834 | 7.94% |
| LARRY E MORSE4 | 318 NE 45TH ST OAK ISLAND, NC 28465 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $55 | — | $55 | 0.52% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 207 | $1.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 207 | $1.0M |
| Vision | COMMUNITY EYE CARE | 124 | $14K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 168 | $27K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 168 | $27K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 207 | $1.0M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 168 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.