| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE SERVICES, INC. | PO BOX 327 GARNER, NC 27529 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53K | $0 | $53K | 23.28% |
| FIRST NATIONAL INSURANCE AGENCY3 | 12 FEDERAL STREET PITTSBURGH, PA 15212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | $0 | $11K | 4.81% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.63% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $663 | $0 | $663 | 0.29% |
| ELECTRO MEDICAL SERVICES, INC.3 Filed as: ELECTRO MEDICAL SERVICES | 209 AIRPORT ROAD CLINTON, NC 28329 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $255 | $0 | $255 | 0.11% |
| FIRST NATIONAL INSURANCE AGENCY3 | 905 EAST ARLINGTON BOULEVARD SUITE A GREENVILLE, NC 27858 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.59% |
| FIRST NATIONAL INSURANCE AGENCY3 | 12 FEDERAL STREET, SUITE 405 PITTSBURGH, PA 15212 | COMMUNITY EYE CARE | $5K | $0 | $5K | 10.00% |
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 | 785 | 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) | 785 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMMUNITY EYE CARE | 615 | $52K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 785 | $283K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 785 | $57K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 785 | $57K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 201 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 785 | — |
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.