| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T - BLUE RIDGE BURKE3 Filed as: BB AND T - BLUE RIDGE BURKE | PO BOX 168 WINSTON-SALEM, NC 27102 | UNION SECURITY INSURANCE COMPANY | $8K | $1K | $9K | 11.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | 214 NORTH TRYON STREET, SUITE 2500 CHARLOTTE, NC 28202 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 3.14% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | UNION SECURITY INSURANCE COMPANY | — | $2K | $2K | 2.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | 214 NORTH TRYON STREET, SUITE 2500 CHARLOTTE, NC 28202 | AMERICAN UNITED LIFE INSURANCE COMPANY | $6K | — | $6K | 16.73% |
| ELIZABETH A SCHENK3 Filed as: ELIZABETH A. SCHENK | UNKNOWN MOUNT AIRY, NC 27030 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $4K | $4K | 10.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | 214 NORTH TRYON STREET, SUITE 2500 CHARLOTTE, NC 28202 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 9.15% |
| BB&T - BLUE RIDGE BURKE3 Filed as: BB AND T - BLUE RIDGE BURKE | PO BOX 168 WINSTON-SALEM, NC 27102 | UNION SECURITY INSURANCE COMPANY | $348 | — | $348 | 1.72% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | UNION SECURITY INSURANCE COMPANY | — | $252 | $252 | 1.24% |
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 | 360 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNION SECURITY INSURANCE COMPANY | 177 | $20K |
| Vision(2 contracts) | UNION SECURITY INSURANCE COMPANY | 350 | $103K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 360 | $116K |
| Long-term disability(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 360 | $116K |
| Other(3 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 360 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.