| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STANLEY D CARR3 Filed as: STANLEY D. CARR | 2900 ARENDELL ST. STE 17 MOREHEAD CITY, NC 28557 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $5K | — | $5K | 1.83% |
| BB&T INSURANCE SERVICES, INC.3 | 2900 ARENDELL ST STE 17 MOREHEAD CITY, NC 28557 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 6.98% |
| BB&T INSURANCE SERVICES, INC.3 | 47 AIRPARK CT P.O. BOX 27149 GREENVILLE, SC 29616 | AMERITAS LIFE INSURANCE CORP. | — | $749 | $749 | 3.18% |
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 | 45 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 45 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 41 | $274K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 101 | $24K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 41 | $274K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 41 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 101 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.