| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 150 NORTH MICHIGAN AVENUE CHICAGO, IL 60601 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $216K | $0 | $216K | 10.75% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF NORTH CAROLINA | $67K | $0 | $67K | 5.24% |
| USI INSURANCE SERVICES LLC3 | 100 NORTH MAIN STREET, SUITE 1510 WINSTON-SALEM, NC 27101 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $28K | $0 | $28K | 10.00% |
| USI INSURANCE SERVICES LLC3 | 100 NORTH MAIN STREET, SUITE 1510 WINSTON-SALEM, NC 27150 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $679 | $13K | 9.85% |
| DIRECTPATH, LLC3 | 120 18TH STREET SOUTH, SUITE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24 | $0 | $24 | 0.02% |
| USI INSURANCE SERVICES LLC3 | 100 NORTH MAIN STREET, SUITE 1510 WINSTON-SALEM, NC 27150 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $342 | $4K | 3.78% |
| DIRECTPATH, LLC3 | 120 18TH STREET SOUTH, SUITE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 2.18% |
| EDWARD MAKEPEACE WILLIAMS3 | 5400 GLENWOOD AVENUE, SUITE G11 RALEIGH, NC 27612 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $452 | $0 | $452 | 0.40% |
| MICHAEL L COUSINS3 Filed as: MICHAEL LYNN COUSINS | PO BOX 327 GARNER, NC 27529 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $448 | $0 | $448 | 0.39% |
| MUNICIPAL BENEFITS LLC3 Filed as: MUNICIPAL BENEFITS, INC. | 1053 BULLARD COURT RALEIGH, NC 27615 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $344 | $0 | $344 | 0.30% |
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 | 3,613 | 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) | 3,613 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 4,092 | $1.3M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 2,128 | $281K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,613 | $2.1M |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,613 | $2.0M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,613 | $2.0M |
| Other(3 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,613 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,092 | — |
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.