| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | PO BOX 203501 DALLAS, TX 75320 | UNITEDHEALTHCARE INSURACE COMPANY | — | $37K | $37K | 5.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | PO BOX 23510 DALLAS, TX 75320 | HUMANADENTAL INSURANCE COMPANY | $8K | $860 | $9K | 10.98% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICE INC | 400 HWY 169 2 ST LOUIS PARK, MN 55426 | USABLE LIFE | $8K | — | $8K | 11.33% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $4K | — | $4K | 6.33% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | PO BOX 203491 DALLAS, TX 75320 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 30.87% |
| MOORE, DALE K3 | PO BOX 220748 CHARLOTTE, NC 28222 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $907 | — | $907 | 8.67% |
| JENNY AYERS3 | 4120 COUNTRYDOWN DR GREENVILLE, NC 27834 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $2K | — | $2K | 21.96% |
| JENNA DOYLE3 | 3665 HIGHLAND DRIVE AYDEN, NC 28513 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $114 | — | $114 | 1.57% |
| J. ANDREWS INC.3 Filed as: J ANDREWS INC | 705 SOUTH BROAD STREET ROBERTSONVILLE, SC 27871 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $86 | — | $86 | 1.18% |
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 | 261 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURACE COMPANY | 261 | $716K |
| Dental | HUMANADENTAL INSURANCE COMPANY | 143 | $80K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 91 | $10K |
| Life insurance | USABLE LIFE | 176 | $68K |
| Short-term disability | USABLE LIFE | 176 | $68K |
| Long-term disability | USABLE LIFE | 176 | $68K |
| Other(3 contracts, 3 carriers) | USABLE LIFE | 176 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.