| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18940 N PIMA RD, SUITE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $115K | — | $115K | 13.58% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC - | MIDSOUTH PO BOX 62889 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28K | — | $28K | 3.37% |
| UMR, INC.3 | 11 SCOTT ST, SUITE 100 WAUSAU, WI 54403 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 0.66% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD 14TH FLOOR CHARLOTTE, NC 28210 | HARTFORD LIFE AND ACCIDENT | $51K | — | $51K | 7.82% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | ENTERPRISE LICENSING CENTER 601 UNION ST, SUITE 1000 SEATTLE, WA 98101 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 0.75% |
| 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 | 16.79% |
| GOODRUM, PHILLIP, PORTER5 | 131 HILLSIDE AVE CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | — |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD, SUITE 1400 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | — |
| IBENEFIT COMMUNICATION LLC5 Filed as: IBENEFIT COMMUNICATION | 131 HILLSIDE AVE CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $276 | — | $276 | — |
| GOODRUM, PHILLIP, PORTER5 | 131 HILLSIDE AVE CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | — |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD, SUITE 1400 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | — |
| IBENEFIT COMMUNICATION LLC5 Filed as: IBENEFIT COMMUNICATION | 131 HILLSIDE AVE CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $501 | — | $501 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CARE TEAM HEALTH, LLC EIN 81-3561997 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $699K |
| UMR, INC. EIN 39-1995276 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $416K |
| SOUTHERN SCRIPTS, LLC EIN 47-4999303 CONTRACT ADMINISTRATOR | Other fees Service code 99 | — | $140K |
| OCCUPATIONAL HEALTH CENTERS OF OHIO EIN 26-3239286 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $46K |
| FLORES AND ASSOCIATES EIN 56-1542307 PPO MANAGER | Contract Administrator Service code 13 | — | $13K |
| COMPUNET CLINICAL LABORATORIES EIN 31-1258010 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $15 |
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 | 854 | 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) | 859 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 851 | $648K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 851 | $648K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 868 | $846K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 851 | $725K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 868 | — |
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.
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.