| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHGRAM INC3 | 8731 RED OAK BLVD CHARLOTTE, NC 28217 | UNIMERICA INSURANCE COMPANY | $12K | — | $12K | 2.00% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS INC | P O BOX 724137 ATLANTA, GA 31139 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $308 | $5K | 1.91% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS | P O BOX 724137 ATLANTA, GA 31139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $884 | $10K | 7.86% |
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 | 332 | 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) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIMERICA INSURANCE COMPANY | 290 | $600K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 828 | $259K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 828 | $259K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 332 | $128K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 332 | $128K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 332 | $128K |
| Other(2 contracts, 2 carriers) | UNIMERICA INSURANCE COMPANY | 332 | $728K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 828 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.