| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GEOFFREY RICKS3 | 1667 DAVIE AVE STATESVILLE, NC 28677 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $121K | — | $121K | 4.41% |
| GEOFFREY RICKS3 | 1667 DAVIE AVE STATESVILLE, NC 28677 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 0.99% |
| PIEDMONT BENEFITS GROUP, INC.3 | 1667 DAVIE AVE STATESVILLE, NC 28677 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 16.77% |
| PIEDMONT BENEFITS GROUP, INC.3 | 1667 DAVIE AVE STATESVILLE, NC 28677 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 15.23% |
| PIEDMONT BENEFITS GROUP, INC.3 | 1667 DAVIE AVE STATESVILLE, NC 28677 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 20.84% |
| PIEDMONT BENEFITS GROUP, INC.3 | 1667 DAVIE AVE STATESVILLE, NC 28677 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.25% |
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 | 498 | 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) | 498 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 286 | $2.7M |
| Dental | AETNA LIFE INSURANCE CO. | 553 | $224K |
| Vision | AETNA LIFE INSURANCE CO. | 553 | $224K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 498 | $20K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 195 | $119K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 195 | $119K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 286 | $2.7M |
| Other(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 286 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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.