| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 8540 COLONNADE CENTER DRIVE RALEIGH, NC 27615 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $15K | $0 | $15K | 3.52% |
| THE LEWER AGENCY3 | 4534 WORNALL ROAD KANSAS CITY, MO 64111 | NATIONAL GUARDIAN LIFE | $8K | $0 | $8K | 10.00% |
| THE LEWER AGENCY5 | 4534 WORNALL ROAD KANSAS CITY, MO 64111 | NATIONAL GUARDIAN LIFE | $0 | $8K | $8K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4819 EMPEROR BOULEVARD, SUITE 200 DURHAM, NC 27703 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18K | $0 | $18K | 29.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $701 | $701 | 1.11% |
| THE CARSON GROUP INC3 Filed as: THE CARSON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41 | $0 | $41 | 0.06% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $82 | $82 | 0.21% |
| USI INSURANCE SERVICES LLC3 | 8540 COLONNADE CENTER DRIVE SUITE 111 RALEIGH, NC 27615 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $41 | $41 | 0.11% |
| THE LEWER AGENCY3 | 4534 WORNALL ROAD KANSAS CITY, MO 64111 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.00% |
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 | 1,300 | 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) | 1,300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 74 | $434K |
| Dental(2 contracts, 2 carriers) | NATIONAL GUARDIAN LIFE | 1,300 | $120K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,300 | $55K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 74 | $434K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,300 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,300 | — |
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.