| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $97K | $10K | $107K | 16.63% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK ST #207 MT PLEASANT, SC 29466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 12.50% |
| CHRISTOPHER EFTHYMIOU3 | 18015 MEADOW BOTTOM RD CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $975 | — | $975 | 3.89% |
| ACRISURE LLC3 | 18015 MEADOW BOTTOM RD CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $904 | — | $904 | 3.61% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK ST #207 MT PLEASANT, SC 29466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 12.50% |
| ACRISURE LLC3 | 18015 MEADOW BOTTOM RD CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $901 | — | $901 | 3.77% |
| CHRISTOPHER EFTHYMIOU3 | 18015 MEADOW BOTTOM RD CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $890 | — | $890 | 3.73% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK ST #207 MT PLEASANT, SC 29466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 12.50% |
| CHRISTOPHER EFTHYMIOU3 | 18015 MEADOW BOTTOM RD CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $891 | — | $891 | 4.00% |
| ACRISURE LLC3 | 18015 MEADOW BOTTOM RD CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $779 | — | $779 | 3.50% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK ST #207 MT PLEASANT, SC 29466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 12.50% |
| CHRISTOPHER EFTHYMIOU3 | 18015 MEADOW BOTTOM RD CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $816 | — | $816 | 3.76% |
| ACRISURE LLC3 | 18015 MEADOW BOTTOM RD CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $814 | — | $814 | 3.75% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK ST #207 MT PLEASANT, SC 29466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 12.50% |
| CHRISTOPHER EFTHYMIOU3 | 18015 MEADOW BOTTOM RD CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $754 | — | $754 | 3.77% |
| ACRISURE LLC3 | 18015 MEADOW BOTTOM RD CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $746 | — | $746 | 3.73% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK ST #207 MT PLEASANT, SC 29466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $726 | $2K | 12.50% |
| CHRISTOPHER EFTHYMIOU3 | 18015 MEADOW BOTTOM RD CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $581 | — | $581 | 4.00% |
| ACRISURE LLC3 | 18015 MEADOW BOTTOM RD CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $507 | — | $507 | 3.49% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK ST #207 MT PLEASANT, SC 29466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $702 | $2K | 12.50% |
| ACRISURE LLC3 | 18015 MEADOW BOTTOM RD CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $547 | — | $547 | 3.89% |
| CHRISTOPHER EFTHYMIOU3 | 18015 MEADOW BOTTOM RD CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $506 | — | $506 | 3.60% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK ST #207 MT PLEASANT, SC 29466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $896 | $597 | $1K | 12.50% |
| ACRISURE LLC3 | 18015 MEADOW BOTTOM RD CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $472 | — | $472 | 3.95% |
| CHRISTOPHER EFTHYMIOU3 | 18015 MEADOW BOTTOM RD CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $424 | — | $424 | 3.55% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK ST #207 MT PLEASANT, SC 29466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $782 | $522 | $1K | 12.50% |
| CHRISTOPHER EFTHYMIOU3 | 18015 MEADOW BOTTOM RD CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $440 | — | $440 | 4.22% |
| ACRISURE LLC3 | 18015 MEADOW BOTTOM RD CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $342 | — | $342 | 3.28% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK ST #207 MT PLEASANT, SC 29466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $756 | $504 | $1K | 12.51% |
| CHRISTOPHER EFTHYMIOU3 | 18015 MEADOW BOTTOM RD CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $390 | — | $390 | 3.87% |
| ACRISURE LLC3 | 18015 MEADOW BOTTOM RD CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $366 | — | $366 | 3.63% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK ST #207 MT PLEASANT, SC 29466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $735 | $490 | $1K | 12.50% |
| ACRISURE LLC3 | 18015 MEADOW BOTTOM RD CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $370 | — | $370 | 3.78% |
| CHRISTOPHER EFTHYMIOU3 | 18015 MEADOW BOTTOM RD CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $365 | — | $365 | 3.73% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK ST #207 MT PLEASANT, SC 29466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $720 | $480 | $1K | 12.49% |
| CHRISTOPHER EFTHYMIOU3 | 18015 MEADOW BOTTOM RD CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $391 | — | $391 | 4.07% |
| ACRISURE LLC3 | 18015 MEADOW BOTTOM RD CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $329 | — | $329 | 3.43% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK ST #207 MT PLEASANT, SC 29466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $466 | $2K | 20.00% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK ST #207 MT PLEASANT, SC 29466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $683 | $455 | $1K | 12.50% |
| CHRISTOPHER EFTHYMIOU3 | 18015 MEADOW BOTTOM RD CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $399 | — | $399 | 4.38% |
| ACRISURE LLC3 | 18015 MEADOW BOTTOM RD CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $284 | — | $284 | 3.12% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK ST #207 MT PLEASANT, SC 29466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $662 | $442 | $1K | 12.50% |
| CHRISTOPHER EFTHYMIOU3 | 18015 MEADOW BOTTOM RD CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $342 | — | $342 | 3.87% |
| ACRISURE LLC3 | 18015 MEADOW BOTTOM RD CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $320 | — | $320 | 3.62% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK ST #207 MT PLEASANT, SC 29466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $605 | $403 | $1K | 12.49% |
| CHRISTOPHER EFTHYMIOU3 | 18015 MEADOW BOTTOM RD CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $354 | — | $354 | 4.39% |
| ACRISURE LLC3 | 18015 MEADOW BOTTOM RD CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $251 | — | $251 | 3.11% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 34040 SALTERBECK ST #207 MT PLEASANT, SC 29466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $599 | $399 | $998 | 12.50% |
| ACRISURE LLC3 | 18015 MEADOW BOTTOM RD CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $333 | — | $333 | 4.17% |
| CHRISTOPHER EFTHYMIOU3 | 18015 MEADOW BOTTOM RD CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $266 | — | $266 | 3.33% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK ST #207 MT PLEASANT, SC 29466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $495 | $330 | $825 | 12.49% |
| CHRISTOPHER EFTHYMIOU3 | 18015 MEADOW BOTTOM RD CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $252 | — | $252 | 3.82% |
| ACRISURE LLC3 | 18015 MEADOW BOTTOM RD CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $244 | — | $244 | 3.69% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK ST #207 MT PLEASANT, SC 29466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $390 | $260 | $650 | 12.51% |
| CHRISTOPHER EFTHYMIOU3 | 18015 MEADOW BOTTOM RD CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $203 | — | $203 | 3.91% |
| ACRISURE LLC3 | 18015 MEADOW BOTTOM RD CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $186 | — | $186 | 3.58% |
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 | 1,273 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,440 | $644K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,440 | $644K |
| Short-term disability(19 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 49 | $248K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,440 | $644K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,440 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.