| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN D WINTERMUTE3 Filed as: KEVIN D. WINTERMUTE | 301 SOUTH TRYON STREET SUITE 2600 CHARLOTTE, NC 28282 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $55K | $0 | $55K | 4.07% |
| ERIC W. BLACK3 | 4064 COLONY ROAD SUITE 450 CHARLOTTE, NC 28211 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $5K | $0 | $5K | 0.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | 301 SOUTH TRYON STREET 2600 PGREER CHARLOTTE, NC 28282 | USABLE LIFE | $15K | $0 | $15K | 11.56% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $6K | $0 | $6K | 4.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE 8TH FLOOR ITASCA, IL 60143 | USABLE LIFE | $1K | $0 | $1K | 1.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | PO BOX 31817 CHARLOTTE, NC 28231 | HUMANADENTAL INSURANCE COMPANY | $4K | $0 | $4K | 4.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GEORGIA, INC. | 1 GLENLAKE PARKWAY 11TH FLOOR ATLANTA, GA 30328 | HUMANADENTAL INSURANCE COMPANY | $0 | $789 | $789 | 0.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | HUMANADENTAL INSURANCE COMPANY | $467 | $0 | $467 | 0.43% |
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 | 331 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 391 | $1.3M |
| Dental | HUMANADENTAL INSURANCE COMPANY | 227 | $109K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 391 | $1.3M |
| Life insurance | USABLE LIFE | 319 | $126K |
| Short-term disability | USABLE LIFE | 319 | $126K |
| Long-term disability | USABLE LIFE | 319 | $126K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 391 | $1.3M |
| Other | USABLE LIFE | 319 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 391 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.