| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | EMPLOYEE BENEFITS DEPARTMENT CHICAGO, IL 60604 | AETNA LIFE INSURANCE COMPANY | $27K | — | $27K | 0.69% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA VCG CONSULTANTS | 3350 RIVERWOOD PARKWAY ATLANTA, GA 30339 | AETNA LIFE INSURANCE COMPANY | -$9K | — | -$9K | -0.21% |
| BANYAN CONSULTING GROUP INC3 Filed as: BANYAN CONSULTING GROUP, INC. | 333 N GREENE STREET, SUITE 101 GREENSBORO, NC 27401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 9.17% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA VCG CONSULTANTS | 3350 RIVERWOOD PARKWAY SUITE 600 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $936 | — | $936 | 0.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 333 N GREENE STREET, SUITE 101 GREENSBORO, NC 27401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 9.13% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA VCG CONSULTANTS | 3350 RIVERWOOD PARKWAY #600 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $523 | — | $523 | 0.87% |
| BANYAN CONSULTING GROUP INC3 Filed as: BANYAN CONSULTING GROUP, INC. | 333 N GREENE STREET, SUITE 101 GREENSBORO, NC 27401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 13.62% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA VCG CONSULTANTS | 3350 RIVERWOOD PARKWAY SUITE #600 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $703 | — | $703 | 1.38% |
| BANYAN CONSULTING GROUP INC3 Filed as: BANYAN CONSULTING GROUP, INC. | 333 N GREENE STREET, SUITE 101 GREENSBORO, NC 27401 | EYEMED VISION CARE OR FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 5.44% |
| VCG CONSULTANTS LLC3 | 3350 RIVERWOOD PARKWAY SUITE #600 ATLANTA, GA 30339 | EYEMED VISION CARE OR FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 2.88% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS SEE ATTACHMENT | PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $317 | $12 | $329 | 10.52% |
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 | 1,147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 761 | $4.0M |
| Dental | AETNA LIFE INSURANCE COMPANY | 761 | $4.0M |
| Vision | EYEMED VISION CARE OR FIDELITY SECURITY LIFE INSURANCE COMPANY | 646 | $39K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 960 | $111K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 138 | $113K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 960 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 960 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.