| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMPSON ALLEN INC3 Filed as: THOMPSON-ALLEN INC | PO BOX 100 ROXBORO, NC 27573 | AETNA LIFE INSURANCE CO. | $42K | — | $42K | 5.72% |
| THOMPSON ALLEN INC3 Filed as: THOMPSON-ALLEN INC | PO BOX 100 ROXBORO, NC 27573 | NATIONAL GUARDIAN LIFE | $9K | — | $9K | 17.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 939 BURLINGTON, NC 27215 | NATIONAL GUARDIAN LIFE | $3K | — | $3K | 5.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 939 BURLINGTON, NC 27216 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.55% |
| THOMPSON ALLEN INC3 | PO BOX 100 ROXBORO, NC 27573 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.45% |
| THOMPSON ALLEN INC3 | PO BOX 100 ROXBORO, NC 27573 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 939 BURLINGTON, NC 27216 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.85% |
| THOMPSON ALLEN INC3 | PO BOX 100 ROXBORO, NC 27573 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 8.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 939 BURLINGTON, NC 27216 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $866 | — | $866 | 6.59% |
| THOMPSON ALLEN INC3 Filed as: THOMPSON-ALLEN, INC | 107 N. MAIN STREET ROXBORO, NC 27573 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $941 | — | $941 | 10.84% |
| THOMPSON ALLEN INC3 Filed as: THOMPSON-ALLEN INC | PO BOX 100 ROXBORO, NC 27573 | USABLE LIFE | $454 | — | $454 | 10.00% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $227 | — | $227 | 5.00% |
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 | 113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 133 | $733K |
| Dental | NATIONAL GUARDIAN LIFE | 96 | $50K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 146 | $9K |
| Life insurance | USABLE LIFE | 132 | $5K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 73 | $22K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 63 | $26K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.