| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACS BENEFIT SERVICES LLC3 Filed as: ACS BENEFIT SERVICES INC | 8025 NORTH POINT BLVD WINSTON SALEM, NC 27106 | HARTFORD LIFE AND ACCIDENT | $46K | — | $46K | 7.87% |
| WELLS FARGO INSURANCE SERVICES7 Filed as: WELLS FARGO INSURANCE SERVICES USA | 6100 FAIRVIEW ROAD, STE 1400 CHARLOTTE, NC 28210 | JOHN HANCOCK LIFE INSURANCE COMPANY | $14K | — | $14K | 14.95% |
| GOODRUM, PHILLIP, PORTER5 | 4400 PARK ROAD, STE 307 CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $30K | — | $30K | — |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL, IN | 6100 FAIRVIEW RD. STE 1400 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $22K | — | $22K | — |
| IBENEFIT COMMUNICATION LLC5 Filed as: IBENEFIT COMMUNICATION | 4400 PARK ROAD STE 307 CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | — |
| GOODRUM, PHILLIP, PORTER | 4400 PARK RD, STE 307 CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43K | — | $43K | — |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL, IN | 6100 FAIRVIEW RD, STE 1400 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | — | $31K | — |
| IBENEFIT COMMUNICATION LLC Filed as: IBENEFIT COMMUNICATION | 4400 PARK RD, STE 307 CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CARE TEAM HEALTH, LLC EIN 81-3561997 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $410K |
| ACS BENEFIT SERVICES INC. EIN 26-0529453 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $241K |
| CIGNA EIN 59-1031071 CONTRACT ADMINISTRATOR | Other fees Service code 99 | — | $132K |
| OCCUPATIONAL HEALTH CENTERS OF OHIO EIN 26-3239286 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $48K |
| STRATOSE/ZELIS NETWORK EIN 26-1790538 PPO MANAGER | Claims processing Service code 12 | — | $19K |
| FLORES AND ASSOCIATES EIN 56-1542307 PPO MANAGER | Contract Administrator Service code 13 | — | $11K |
| COMPUNET CLINICAL LABORATORIES EIN 31-1258010 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $4K |
| PREMIERE HEALTH CARE EIN 31-1122883 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $2K |
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 | 826 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 834 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 818 | $584K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 818 | $584K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 779 | $585K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 818 | $679K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 818 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.