| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT C. ANDERSON3 Filed as: SCOTT C ANDERSON | P.O. BOX 220748 CHARLOTTE, NC 28222 | BLUE CROSS BLUE SHIELD NORTH CAROLINA | $34K | $500 | $34K | 2.96% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 203066 DALLAS, TX 75320 | METROPOLITAN INSURANCE COMPANY | $25K | $27 | $25K | 13.47% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1018 WEST 19TH AVENUE KING OF PRUSSIA, PA 19406 | METROPOLITAN INSURANCE COMPANY | $0 | $3K | $3K | 1.79% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD NORTH CAROLINA | 274 | $1.2M |
| Dental | METROPOLITAN INSURANCE COMPANY | 361 | $189K |
| Vision | METROPOLITAN INSURANCE COMPANY | 361 | $189K |
| Life insurance | METROPOLITAN INSURANCE COMPANY | 361 | $189K |
| Short-term disability | METROPOLITAN INSURANCE COMPANY | 361 | $189K |
| Long-term disability | METROPOLITAN INSURANCE COMPANY | 361 | $189K |
| Prescription drug | BLUE CROSS BLUE SHIELD NORTH CAROLINA | 274 | $1.2M |
| Other | METROPOLITAN INSURANCE COMPANY | 361 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 361 | — |
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."
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.