| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROVISIONS BENEFIT GROUP3 Filed as: PROVISIONS BENEFIT GROUP, LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $59K | — | $59K | 17.72% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $22K | $22K | 6.64% |
| PROVISIONS BENEFIT GROUP3 | 3204 SAINT REGIS ROAD GREENSBORO, NC 27408 | COMPANION LIFE INSURANCE COMPANY | $22K | — | $22K | 11.27% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | 1612 MARION ST COLUMBIA, SC 29201 | COMPANION LIFE INSURANCE COMPANY | $12K | — | $12K | 6.05% |
| FIRST NATIONAL INSURANCE AGENCY3 | PO BOX 6369 HERMITAGE, PA 16148 | COMPANION LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 18.69% |
| PARK STAN3 | 1852 BANKING STREET STE #9005 GREENSBORO, NC 27408 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 8.83% |
| FIRST NATIONAL INS AGENCY3 | 12 FEDERAL ST PITTSBURGH, PA 15212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.58% |
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 | 342 | 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) | 342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 187 | $334K |
| Dental | COMPANION LIFE INSURANCE COMPANY | 371 | $192K |
| Vision | COMPANION LIFE INSURANCE COMPANY | 371 | $192K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 371 | $235K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 371 | $192K |
| Other(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 371 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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.