| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GEORGE CHADWICK & COMPANY INC3 | 3301 WRIGHTSVILLE AVE WILMINGTON, NC 284034115 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $8K | $8K | 1.01% |
| CLAUDE C. BRIDGER INSURANCE ASSOC3 Filed as: CLAUDE C. BRIDGER INSURANCE ASSOCIA | 3301 WRIGHTSVILLE AVE WILMINGTON, NC 28403 | DELTA DENTAL OF NORTH CAROLINA | $5K | — | $5K | 9.23% |
| GEORGE CHADWICK & COMPANY INC3 Filed as: GEORGE CHADWICK INSURANCE | 3301 WRIGHTSVILLE AVE WILMINGTON, NC 28403 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 12.88% |
| CLAUDE C. BRIDGER INSURANCE ASSOC3 | 3301 WRIGHTSVILLE AVENUE WILMINGTON, NC 28403 | COMMUNITY EYE CARE | $2K | — | $2K | 13.00% |
| JOHN WYNN4 | 849 ISLE OF PALM WAY WILMINGTON, NC 28412 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $664 | — | $664 | 10.30% |
| DANIEL F. VULIN4 | 104 E BRIDGE CT CAROLINA BEACH, NC 28428 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $569 | — | $569 | 8.82% |
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 | 96 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 143 | $841K |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 153 | $59K |
| Vision | COMMUNITY EYE CARE | 112 | $13K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 147 | $24K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 147 | $24K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 143 | $841K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 147 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.