| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KIMBERLY WHITE3 | 600 MALLARD DR. SUMTER, SC 29150 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $25K | — | $25K | 2.68% |
| JONATHAN TAYLOR3 | 1473 MATAOKA ST. MOUNT PLESANT, SC 29464 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $2K | — | $2K | 0.27% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER RD. FAIR HAVEN, NJ 07704 | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA | $26K | — | $26K | 15.45% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SVCS | 200 GALLERIA PKWY., STE. 1950 ATLANTA, GA 30339 | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA | — | $10K | $10K | 5.85% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 113 | $922K |
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA | 123 | $165K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA | 123 | $165K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA | 123 | $165K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA | 123 | $165K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA | 123 | $165K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 113 | $922K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.