| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GASTON H GAGE JR3 | 6115 PARK SOUTH DRIVE SUITE 330 CHARLOTTE, NC 28210 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $70K | — | $70K | 3.77% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH PARTNER GROUP | 18940 N PIMA RD SUITE 210 SCOTTSDALE, AZ 85260 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $8K | — | $8K | 25.00% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH PARTNER GROUP | 18940 N PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85260 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $5K | — | $5K | 27.22% |
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 | 194 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 197 | $1.9M |
| Dental | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 197 | $1.9M |
| Life insurance(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 215 | $19K |
| Short-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 214 | $19K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 215 | $34K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 197 | $1.9M |
| Other | AMERICAN GENERAL LIFE INSURANCE COMPANY | 214 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.