| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 Filed as: HCW EMPLOYEE BENEFIT SERVICES LLC | 4819 EMPEROR BOULEVARD SUITE 200 DURHAM, NC 27703 | COVENTRY HEALTH CARE OF THE CAROLINAS, INC. | — | $3K | $3K | 1.48% |
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 Filed as: HCW EMPLOYEE BENEFIT SVCS LLC | 4819 EMPEROR BOULEVARD SUITE 200 DURHAM, NC 27703 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $46 | $2K | 15.43% |
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 Filed as: HCW EMPLOYEE BENEFIT SVCS LLC | 4819 EMPEROR BOULEVARD SUITE 200 DURHAM, NC 27703 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $41 | $1K | 12.43% |
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 Filed as: HCW EMPLOYEE BENEFIT SVCS LLC | 4819 EMPEROR BOULEVARD SUITE 200 DURHAM, NC 27703 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $513 | $21 | $534 | 12.50% |
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 | 272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 205 | $4K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 59 | $9K |
| Stop-loss / reinsurancereinsurance | COVENTRY HEALTH CARE OF THE CAROLINAS, INC. | 343 | $202K |
| Other(4 contracts, 3 carriers) | VIVERAE, INC. | 272 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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."
No prospect flags tripped on this filing.