| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM MICHELSEN3 | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $33K | — | $33K | 2.29% |
| MATTHEW A ESTRELA3 | 8540 COLONNADE CENTER DRIVE STE 111 RALEIGH, NC 27615 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $11K | — | $11K | 0.77% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 225 KENNETH DRIVE ROCHESTER, NY 14623 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 751 CORPORATE CTR DR SUITE 12 RALEIGH, NC 27607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 333 N GREENE ST STE 101 GREENSBORO, NC 27401 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 16.30% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | P.O. BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 8.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOHN R. WILLIS | 9121 ANSON WAY SUITE 200 RALEIGH, NC 27615 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 5.63% |
| SELECT BNFT SOLUTION LLC3 | P.O. BOX 1370 MT. PLEASANT, SC 29465 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $61 | — | $61 | 0.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD SUITE 600 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 751 CORPORATE CTR DR SUITE 120 RALEIGH, NC 27607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.70% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 225 KENNETH DRIVE ROCHESTER, NY 14623 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.30% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 225 KENNETH DRIVE ROCHESTER, NY 14623 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $743 | — | $743 | 5.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 751 CORPORATE CTR DR SUITE 12 RALEIGH, NC 27607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $709 | — | $709 | 4.88% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 225 KENNETH DRIVE ROCHESTER, NY 14623 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $349 | — | $349 | 5.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 751 CORPORATE CTR DR SUITE 12 RALEIGH, NC 27607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $333 | — | $333 | 4.88% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 189 | $1.4M |
| Dental | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 189 | $1.4M |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 189 | $1.4M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 148 | $15K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 148 | $41K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 148 | $7K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 189 | $1.4M |
| Other(4 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 189 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.