| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCNEARY, INC.3 Filed as: MCNEARY, INC | 6525 MORRISON BOULEVARD SUITE 200 CHARLOTTE, NC 28211 | HCC LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| SHERI HUTCHINS3 | 6525 MORRISON BLVD SUITE 200 CHARLOTTE, NC 28211 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC | $750 | — | $750 | 0.41% |
| MCNEARY, INC.3 Filed as: MCNEARY, INC | 6525 MORRISON BLVD SUITE 200 CHARLOTTE, NC 282113532 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| MCNEARY, INC.3 Filed as: MCNEARY, INC | 6525 MORRISON BLVD SUITE 200 CHARLOTTE, NC 282113532 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 11.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6525 MORRISON BLVD SUITE 200 CHARLOTTE, NC 28211 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 | Named fiduciary; Participant communication; Float revenue; Claims processing; Other services; Direct payment from the plan; Contract Administrator; Non-monetary compensation Service code 12 | 280 TRUMBULL STREET #5 HARTFORD, CT 06152 | $484K |
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 | 939 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 944 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC | 939 | $184K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 653 | $49K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 212 | $49K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 653 | $49K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 669 | $258K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 653 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 939 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.