| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LISA L. HAMLETT3 Filed as: LISA HAMLETT | 100 N MAIN ST MAIL CODE NC6952 WINSTON-SALEM, NC 27105 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $154K | — | $154K | 12.14% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 2975 REGENT BLVD IRVING, TX 75063 | DELTA DENTAL OF NORTH CAROLINA | $42K | — | $42K | 4.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO | 150 N. MICHIGAN AVE CHICAGO, IL 60601 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $81K | — | $81K | 10.76% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | P O BOX 203066 DALLAS, TX 75320 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $15K | $15K | 1.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO | 150 N. MICHIGAN AVE CHICAGO, IL 60601 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $46K | — | $46K | 10.73% |
| WELLS FARGO INSURANCE SERVICES4 Filed as: WELLS FARGO INSURANCE SERVICES USA | P O BOX 203066 DALLAS, TX 75320 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $8K | $8K | 1.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO | 150 N. MICHIGAN AVE CHICAGO, IL 60601 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $37K | — | $37K | 10.75% |
| WELLS FARGO INSURANCE SERVICES4 Filed as: WELLS FARGO INSURANCE SERVICES USA | P O BOX 203066 DALLAS, TX 75320 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $7K | $7K | 1.96% |
| WELLS FARGO INSURANCE SERVICES3 | P O BOX 203510 DALLAS, TX 753203510 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $21K | — | $21K | 9.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA | 6100 FAIRVIEW RD STE 1400 CHARLOTTE, NC 282103293 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $27 | $8K | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | 1018 W 9TH AVE KING OF PRUSSIA, PA 194061225 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLORES AND ASSOCIATES EIN 56-1542307 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $33K |
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 | 2,118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 2,840 | $1.3M |
| Dental(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 3,040 | $2.3M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 2,422 | $214K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,395 | $431K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,165 | $753K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,126 | $346K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 2,840 | $1.3M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 2,840 | $1.3M |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,395 | $431K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,040 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.