| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVEN L HARWELL3 Filed as: STEVEN L. HARWELL | 107 KILSON DRIVE, SUITE 201 MOORESVILLE, NC 28117 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $56K | $0 | $56K | 2.22% |
| SEAN P. NORTHUP3 | 4250 CONGRESS STREET, SUITE 200 CHARLOTTE, NC 28209 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $25K | $0 | $25K | 0.98% |
| J. ARTHUR DAIL, INC.3 | 6000 FAIRVIEW ROAD, SUITE 1200 CHARLOTTE, NC 28210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $48K | $0 | $48K | 9.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $46K | $0 | $46K | 9.11% |
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 | 859 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 880 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 463 | $2.5M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 856 | $501K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 856 | $501K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 856 | $501K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 856 | $501K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 463 | $2.5M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 856 | $501K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 856 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.