| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN GREENVILLE, SC 29607 | BLUECHOICE HEALTHPLAN | $64K | — | $64K | 3.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 500 WEST MADISON STREET, SUITE 2700 CHICAGO, IL 60661 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | — | $23K | 15.00% |
| CORPORATE BENEFIT ADVISORS3 | 1901 ROXBOROUGH ROAD CHARLOTTE, NC 28211 | DELTA DENTAL OF MISSOURI | $9K | — | $9K | 6.50% |
| SCHWARTZ BENEFIT SERVICES INC3 Filed as: SCHWARTZ BENEFITS SERVICES, INC. | 500 WEST MADISON STREET, SUITE 2700 CHICAGO, IL 60661 | VISION SERVICE PLAN | $2K | — | $2K | 10.00% |
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 | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECHOICE HEALTHPLAN | 178 | $1.8M |
| Dental | DELTA DENTAL OF MISSOURI | 416 | $134K |
| Vision | VISION SERVICE PLAN | 160 | $21K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 179 | $151K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 179 | $151K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 179 | $151K |
| Prescription drug | BLUECHOICE HEALTHPLAN | 178 | $1.8M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 179 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 416 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.