| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIDEWATER FINANCIAL GROUP3 | UNKNOWN CONCORD, NC 28025 | AMERICAN UNITED LIFE INSURANCE COMPANY | $82K | $16K | $99K | 24.00% |
| TIDEWATER FINANCIAL GROUP0 | 2925 SENNA DR STE 202 MATTHEWS, NC 281050512 | HUMANA INSURANCE COMPANY | $3K | $19K | $23K | 9.55% |
| TIDEWATER FINANCIAL GROUP3 | 1028 LEE ANN DR NE STE 305 CONCORD, NC 28025 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $80K | $0 | $80K | 49.70% |
| GREGG BLANCHARD INS AGENCY INC3 | 11235 US HWY 1 NORTH PALM BEACH, FL 33408 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | $0 | $12K | 7.73% |
| TALLUTO COWAN AND VALLEY LLC3 | 2151 S ALT A1A STE 800 JUPITER, FL 33477 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | $0 | $12K | 7.73% |
| TIDEWATER FINANCIAL GROUP3 | 1028 LEE ANN DR NE STE 305 CONCORD, NC 28025 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49K | $0 | $49K | 51.60% |
| GREGG BLANCHARD INS AGENCY INC3 | 11235 US HWY 1 NORTH PALM BEACH, FL 33408 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 8.13% |
| TALLUTO COWAN AND VALLEY LLC3 | 2151 S ALT A1A STE 800 JUPITER, FL 33477 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 8.13% |
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 | 538 | 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) | 538 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 293 | $237K |
| Vision | HUMANA INSURANCE COMPANY | 293 | $237K |
| Life insurance(3 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 538 | $666K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 538 | $411K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 538 | $411K |
| Other(3 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 538 | $666K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 538 | — |
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."
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.