| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN CAROLINA INSURANCE, INC.3 | 213 THREE BRIDGES ROAD GREENVILLE, SC 29611 | UNITEDHEALTHCARE INSURANCE COMPANY | $35K | $402 | $35K | 6.00% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP, LLC | 1439 STUART ENGALS BOULEVARD UNIT 300 MOUNT PLEASANT, SC 29464 | UNITEDHEALTHCARE INSURANCE COMPANY | -$7 | $0 | -$7 | -0.00% |
| CHEREE A. MOODY3 | 4918 NORTH GRAHAM STREET CHARLOTTE, NC 28269 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 14.33% |
| AMERICAN CAROLINA INSURANCE, INC.3 | 213 THREE BRIDGES ROAD GREENVILLE, SC 29611 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 4.30% |
| CONSOLIDATED PLANNING HOLDINGS3 | 6115 PARK SOUTH DRIVE, SUITE 200 CHARLOTTE, NC 28210 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $237 | $0 | $237 | 0.21% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 119 | $584K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 106 | $115K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 106 | $115K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 106 | $115K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 119 | $584K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 106 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.