| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | HEARST TOWER 214 N TRYTON ST CHARLOTTE, NC 28282 | CIGNA GROUP INSURANCE | — | $9K | $9K | 1.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | HEARST TOWER 214 N TRYTON ST CHARLOTTE, NC 28282 | CIGNA GROUP INSURANCE | — | $8K | $8K | 1.32% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-LIST ATTACHED | — | AFLAC | $55K | $2K | $57K | 23.51% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-ATTACHED LIST | PO BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $36K | $901 | $37K | 20.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | HEARST TOWER 214 N TRYTON ST CHARLOTTE, NC 28282 | CIGNA GROUP INSURANCE | — | $623 | $623 | 1.32% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS- LIST ATTACHED | — | PREPAID LEGAL SERVICE DBA LEGALSHIELD | $3K | — | $3K | 8.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD N CAROLINA EIN 56-0894904 CLAIMS ADMINISTRATOR | Claims processing; Insurance agents and brokers; Contract Administrator Service code 12 | — | $1.3M |
| EMPLOYEE ASSISTANCE NETWORK EIN 20-5468355 EMPLOYEE ASSISTANCE PLAN | Other services Service code 49 | — | $47K |
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 | 2,844 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,858 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,207 | $167K |
| Life insurance(3 contracts, 3 carriers) | CIGNA GROUP INSURANCE | 302 | $1.2M |
| Short-term disability(3 contracts, 3 carriers) | CIGNA GROUP INSURANCE | 302 | $1.0M |
| Long-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 237 | $184K |
| Other(5 contracts, 4 carriers) | CIGNA GROUP INSURANCE | 302 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,207 | — |
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.