| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | HARTFORD LIFE AND ACCIDENT | $13K | — | $13K | 1.51% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $13K | — | $13K | 1.49% |
| EMILY P. KNOWLES3 Filed as: EMILY KNOWLES | USI INSURANCE SERVICES 8049 CORPORATE CENTER DR CHARLOTTE, NC 28226 | DELTA DENTAL OF SOUTH DAKOTA | $13K | — | $13K | 1.93% |
| MARY SETTER3 | MARSH MCLENNAN AGENCY MN 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | DELTA DENTAL OF SOUTH DAKOTA | $13K | — | $13K | 1.92% |
| IBENEFIT COMMUNICATION LLC3 | ATTN PHILLIP GOODRUM 131 HILLSIDE AVE CHARLOTTE, NC 28209 | UNUM INSURANCE COMPANY | $1K | $243 | $2K | 7.61% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | UNUM INSURANCE COMPANY | $1K | $370 | $1K | 6.61% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICE LLC | STE 1400 6100 FAIRVIEW ROAD CHARLOTTE, NC 28210 | UNUM INSURANCE COMPANY | $786 | $210 | $996 | 4.45% |
| IBENEFIT COMMUNICATION LLC3 | ATTN PHILLIP GOODRUM 131 HILLSIDE AVE CHARLOTTE, NC 28209 | UNUM INSURANCE COMPANY | $6K | $281 | $6K | 37.38% |
| USI INSURANCE SERVICES LLC3 | STE 1400 6100 FAIRVIEW RD CHARLOTTE, NC 28210 | UNUM INSURANCE COMPANY | $897 | $240 | $1K | 6.64% |
| IBENEFIT COMMUNICATION LLC3 | ATTN PHILLIP GOODRUM 131 HILLSIDE AVE CHARLOTTE, NC 28209 | UNUM INSURANCE COMPANY | $4K | $197 | $4K | 34.14% |
| USI INSURANCE SERVICES LLC3 | STE 1400 6100 FAIRVIEW RD CHARLOTTE, NC 28210 | UNUM INSURANCE COMPANY | $642 | $169 | $811 | 6.67% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | AMERICAN UNITED LIFE INSURANCE COMPANY | $641 | — | $641 | 13.74% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | PHILLIP GOODRUM 131 HILLSIDE AVE CHARLOTTE, NC 28209 | AMERICAN UNITED LIFE INSURANCE COMPANY | $531 | — | $531 | 11.38% |
| USI INSURANCE SERVICES LLC3 | STE 1400 6100 FAIRVEW RD CHARLOTTE, NC 28210 | AMERICAN UNITED LIFE INSURANCE COMPANY | $227 | — | $227 | 4.86% |
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 | 1,227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 1,721 | $651K |
| Vision | VISION SERVICE PLAN | 865 | $170K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,865 | $883K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,865 | $887K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,865 | $883K |
| Other(5 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,865 | $956K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,865 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.