| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| E POWERED BENEFITS LLC3 | 106 LANGTREE VILLAGE DR SUITE 301 MOORSEVILLE, NC 28117 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $43K | — | $43K | 3.72% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $16K | $16K | 4.94% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | FIRST RELIANCE STANDARD LIFE INS COMPANY | $9K | — | $9K | 10.82% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVENUE SUITE 502 NORWALK, CA 06854 | SHELTER POINT LIFE INSURANCE COMPANY | $8K | — | $8K | 12.41% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | FIRST RELIANCE STANDARD LIFE INS COMPANY | $6K | — | $6K | 11.02% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $3K | $5K | 11.82% |
| E POWERED BENEFITS LLC3 | 106 LANGTREE VILLAGE DR SUITE 301 MOORSEVILLE, NC 28117 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $7K | — | $7K | 50.04% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA LLC | 150 FAIRVIEW RD SUITE 320 MOORESVILLE, NC 28117 | EYE MED VISION CARE | $549 | — | $549 | — |
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 | 555 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 555 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 232 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 555 | $328K |
| Vision | EYE MED VISION CARE | 693 | $0 |
| Life insurance | FIRST RELIANCE STANDARD LIFE INS COMPANY | 1,011 | $52K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INS COMPANY | 1,306 | $83K |
| Other(3 contracts, 3 carriers) | SHELTER POINT LIFE INSURANCE COMPANY | 1,948 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,948 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.