| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IDM INSURANCE SERVICES3 Filed as: IDM INSURANCE SERVICES, LLC | 9920 KINCEY AVE STE 110 HUNTERSVILLE, NC 28078 | UNITEDHEALTHCARE INSURANCE COMPANY | $36K | — | $36K | 2.80% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 7310 N 16TH ST STE 226 PHOENIX, AZ 85020 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $15K | $15K | 1.16% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF NORTH CAROLINA | $13K | — | $13K | 9.15% |
| PAYENTRY FINANCIAL SERVICES INC.3 Filed as: PAYENTRY FINANCIAL SERVICES | 9920 KINCEY AVE STE 110 HUNTERSVILLE, NC 28078 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 10.00% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $492 | $3K | 5.00% |
| PAYENTRY FINANCIAL SERVICES INC.3 | 19701 BETHEL CHURCH RD STE 103 PMB 320 CORNELIUS, NC 28031 | VISION SERVICE PLAN | $947 | — | $947 | 6.12% |
| ASSUREDPARTNERS3 Filed as: EMERSON RODGERS, LLC | 669 RIVER DR CTR II, STE 305 ELMWOOD PARK, NJ 07407 | VISION SERVICE PLAN | $498 | — | $498 | 3.22% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | VISION SERVICE PLAN | $337 | — | $337 | 2.18% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 243 | $1.3M |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 289 | $147K |
| Vision | VISION SERVICE PLAN | 101 | $15K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 129 | $51K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 129 | $51K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 129 | $51K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 129 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.