| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4250 CONGRESS STREET, SUITE 200 CHARLOTTE, NC 28209 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $83K | — | $83K | 1.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $74K | $10K | $84K | 12.59% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC. | 1612 MARION STREET COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $33K | $0 | $33K | 4.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4250 CONGRESS STREET CHARLOTTE, NC 28209 | COMBINED INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 26.24% |
| BENEFITS ALL INSURANCE, LLC3 | UNKNOWN CHARLOTTE, NC 28205 | COMBINED INSURANCE COMPANY OF AMERICA | $314 | — | $314 | 7.88% |
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 | 1,381 | 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) | 1,381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 722 | $5.0M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,381 | $666K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,381 | $666K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,381 | $666K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,381 | $666K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,381 | $666K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 722 | $5.0M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,381 | $670K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,381 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.