| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE DAWSON | 4325 LAKE BOONE TRAIL STE 220 RALEIGH, NC 27607 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $43K | $2K | $45K | 3.72% |
| JONES GREGG FINANCIAL LLC3 | 6733 FAIRVIEW RD STE D CHARLOTTE, NC 282103652 | AMERITAS LIFE INSURANCE CORP | $4K | — | $4K | 10.00% |
| DALE CHRISTENSEN3 | 3077 BAYCREST DR SOUTHPORT, NC 284613566 | AMERITAS LIFE INSURANCE CORP | $261 | — | $261 | 0.65% |
| MARK CHRISTENSEN3 | PO BOX 471208 CHARLOTTE, NC 282471208 | AMERITAS LIFE INSURANCE CORP | $261 | — | $261 | 0.65% |
| ANDREW JONES3 | 6733 FAIRVIEW RD STE D CHARLOTTE, NC 28210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 14.98% |
| JONES GREGG FINANCIAL LLC3 | 6733 FAIRVIEW RD STE D CHARLOTTE, NC 282103652 | AMERITAS LIFE INSURANCE CORP | $589 | — | $589 | 10.01% |
| DALE CHRISTENSEN3 | 3077 BAYCREST DR SOUTHPORT, NC 284613566 | AMERITAS LIFE INSURANCE CORP | $36 | — | $36 | 0.61% |
| MARK CHRISTENSEN3 | PO BOX 471208 CHARLOTTE, NC 282471208 | AMERITAS LIFE INSURANCE CORP | $36 | — | $36 | 0.61% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 197 | $1.2M |
| Dental | AMERITAS LIFE INSURANCE CORP | 195 | $40K |
| Vision | AMERITAS LIFE INSURANCE CORP | 145 | $6K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 122 | $9K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 122 | $9K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 197 | $1.2M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 122 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.