| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 Filed as: HCW EMPLOYEE BENEFIT SERVICES LLC | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | $6K | $25K | 5.17% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL SVCS | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 75503 | NATIONAL GUARDIAN LIFE | $10K | — | $10K | 10.00% |
| THE LEWER AGENCY5 | 4534 WOMALL ROAD KANSAS CITY, MO 64111 | NATIONAL GUARDIAN LIFE | $10K | — | $10K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $4K | $10K | 13.59% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 1105 NORTH MARKET STREET SUITE 1300 WILMINGTON, DE 19801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $45 | — | $45 | 0.06% |
| CONSOLIDATED PLANNING HOLDINGS3 | 4201 CONGRESS STREET CHARLOTTE, NC 28209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $44 | — | $44 | 0.06% |
| THE LEWER AGENCY3 | 4534 WORNALL ROAD KANSAS CITY, MO 64111 | NATIONAL GUARDIAN LIFE | $2K | — | $2K | 12.83% |
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 Filed as: HCW EMPLOYEE BENEFIT SERVICES | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | COMMUNITY EYE CARE | $858 | — | $858 | 10.00% |
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 | 237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 114 | $476K |
| Dental(2 contracts, 2 carriers) | NATIONAL GUARDIAN LIFE | 181 | $177K |
| Vision(2 contracts, 2 carriers) | NATIONAL GUARDIAN LIFE | 183 | $26K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 69 | $74K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 69 | $74K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 69 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.