| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEITH EMORY GREENSPON3 | P.O. BOX 32008 CHARLOTTE, NC 28232 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | $583 | $19K | 13.40% |
| VARIOUS - SEE ATTACHMENT3 | P.O. BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $228 | $9K | 14.80% |
| KEITH EMORY GREENSPON3 | P.O. BOX 32008 CHARLOTTE, NC 28232 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $583 | $8K | 16.16% |
| KEITH EMORY GREENSPON3 | P.O. BOX 32008 CHARLOTTE, NC 28232 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $583 | $6K | 13.26% |
| KEITH EMORY GREENSPON3 | P.O. BOX 32008 CHARLOTTE, NC 28232 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $583 | $6K | 16.48% |
| KEITH EMORY GREENSPON3 | P.O. BOX 32008 CHARLOTTE, NC 28232 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $583 | $4K | 11.77% |
| KEITH EMORY GREENSPON3 | P.O. BOX 32008 CHARLOTTE, NC 28232 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $583 | $2K | 19.66% |
| VARIOUS - SEE ATTACHMENT3 | P.O. BOX 1365 COLUMBIA, SC 29202 | THE PAUL REVERE LIFE INSURANCE COMPANY | $115 | — | $115 | 3.38% |
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 | 412 | 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) | 412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 335 | $145K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 288 | $33K |
| Life insurance(4 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 412 | $126K |
| Short-term disability(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 411 | $110K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 412 | $39K |
| Other(4 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 412 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 412 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.