| 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 | 4.02% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $18K | $18K | 5.34% |
| E POWERED BENEFITS LLC3 | 106 LANGTREE VILLAGE DR SUITE 301 MOORSEVILLE, NC 28117 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $18K | — | $18K | 5.20% |
| E POWERED BENEFITS LLC3 | 106 LANGTREE VILLAGE DR SUITE 301 MOORSEVILLE, NC 28117 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $10K | — | $10K | 4.08% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | FIRST RELIANCE STANDARD LIFE INS COMPANY | $9K | $0 | $9K | 10.76% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVENUE SUITE 502 NORWALK, CA 06854 | SHELTER POINT LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | FIRST RELIANCE STANDARD LIFE INS COMPANY | $6K | $0 | $6K | 11.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $2K | $4K | 8.84% |
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 | 626 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 626 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 237 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 626 | $339K |
| Vision | EYE MED VISION CARE | 839 | $72K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INS COMPANY | 1,073 | $52K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INS COMPANY | 1,073 | $84K |
| Other(3 contracts, 3 carriers) | SHELTER POINT LIFE INSURANCE COMPANY | 1,948 | $172K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.