| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | $67K | — | $67K | 7.98% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD STE 14000 CHARLOTTE, NC 28210 | HARTFORD LIFE AND ACCIDENT | $48K | — | $48K | 6.63% |
| WELLS FARGO INSURANCE SERVICES7 Filed as: WELLS FARGO INSURANCE SERVICES USA | 6100 FAIRVIEW ROAD, STE 1400 CHARLOTTE, NC 28210 | JOHN HANCOCK LIFE INSURANCE COMPANY | $13K | — | $13K | 14.93% |
| GOODRUM, PHILLIP, PORTER5 | 131 HILLSIDE AVE CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | — | $12K | — |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | — | $8K | — |
| IBENEFIT COMMUNICATION LLC5 Filed as: IBENEFIT COMMUNICATION | 131 HILLSIDE AVE CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $641 | — | $641 | — |
| GOODRUM, PHILLIP, PORTER5 | 131 HILLSIDE AVE CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | — |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | — |
| IBENEFIT COMMUNICATION LLC5 Filed as: IBENEFIT COMMUNICATION | 131 HILLSIDE AVE CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $748 | — | $748 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CARE TEAM HEALTH, LLC EIN 81-3561997 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $586K |
| UMR, INC. EIN 39-1995276 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $382K |
| SOUTHERN SCRIPTS, LLC EIN 61-1766825 CONTRACT ADMINISTRATOR | Other fees Service code 99 | — | $123K |
| OCCUPATIONAL HEALTH CENTERS OF OHIO EIN 26-3239286 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $50K |
| ACS BENEFIT SERVICES INC. EIN 26-0529453 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $18K |
| HARTFORD LIFE AND ACCIDENT EIN 06-0838648 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $14K |
| FLORES AND ASSOCIATES EIN 56-1542307 PPO MANAGER | Contract Administrator Service code 13 | — | $12K |
| CIGNA EIN 59-1031071 CONTRACT ADMINISTRATOR | Other fees Service code 99 | — | $11K |
| PREMIERE HEALTH CARE EIN 31-1122883 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $2K |
| KITTERING HEALTH NETWORK EIN 31-0621866 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $702 |
| STRATOSE/ZELIS NETWORK EIN 26-1790538 PPO MANAGER | Claims processing Service code 12 | — | $619 |
| COMPUNET CLINICAL LABORATORIES EIN 31-1258010 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $73 |
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 | 888 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 892 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 888 | $730K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 888 | $730K |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 891 | $834K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 888 | $817K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 891 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.