| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PIEDMONT BENEFITS GROUP, INC.3 | 610 SIGNAL HILL DRIVE EXT, STE 300 STATESVILLE, NC 28625 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $51K | — | $51K | 2.91% |
| PIEDMONT BENEFITS GROUP, INC.3 | 610 SIGNAL HILL DRIVE EXT, STE 300 STATESVILLE, NC 28625 | AETNA LIFE INSURANCE COMPANY | $19K | — | $19K | 9.18% |
| PIEDMONT BENEFITS GROUP, INC.3 | 610 SIGNAL HILL DRIVE EXT, STE 300 STATESVILLE, NC 28625 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 14.05% |
| PIEDMONT BENEFITS GROUP, INC.3 | 610 SIGNAL HILL DRIVE EXT, STE 300 STATESVILLE, NC 28625 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 15.95% |
| PIEDMONT BENEFITS GROUP, INC.3 | 610 SIGNAL HILL DRIVE EXT, STE 300 STATESVILLE, NC 28625 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 18.16% |
| PIEDMONT BENEFITS GROUP, INC.3 | 610 SIGNAL HILL DRIVE EXT, STE 300 STATESVILLE, NC 28625 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 59.85% |
| PIEDMONT BENEFITS GROUP, INC. | 610 SIGNAL HILL DRIVE EXT, STE 300 STATESVILLE, NC 28625 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.56% |
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 | 440 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 440 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 239 | $1.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 478 | $208K |
| Vision | AETNA LIFE INSURANCE COMPANY | 478 | $208K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 324 | $81K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 117 | $73K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 120 | $33K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 239 | $1.8M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 324 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 478 | — |
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.