| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOOD HARGETT & ASSOCIATES3 Filed as: HOOD HARGETT ASSOCIATES INC. | PO BOX 30127 CHARLOTTE, NC 28230 | UNITEDHEALTHCARE INSURANCE COMPANY | $57K | $0 | $57K | 4.49% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC. | 1612 MARION STREET COLUMBIA, CA 29201 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 0.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 4250 CONGRESS STREET, SUITE 200 CHARLOTTE, NC 28209 | UNITEDHEALTHCARE INSURANCE COMPANY | $259 | $0 | $259 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 4250 CONGRESS STREET, SUITE 200 CHARLOTTE, NC 28209 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 5.15% |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 195 | $1.4M |
| Dental(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 195 | $1.4M |
| Vision(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 195 | $1.4M |
| Prescription drug(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 195 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.