| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC. | 1 STATE STREET PLAZA, 9TH FLOOR NEW YORK, NY 10004 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $82K | — | $82K | 5.74% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $61K | — | $61K | 4.26% |
| BENEFIT CONTROLS OF THE CAROLINAS3 | 8049 CORPORATE CENTER DRIVE CHARLOTTE, NC 28226 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $14K | $22K | 2.30% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | 1 STATE STREET PLAZA, 9TH FLOOR NEW YORK, NY 10004 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 0.67% |
| C AND H FINANCIAL, LLC3 Filed as: C AND H FINANCIAL LLC | 200 GLENRIDGE POINT PARKWAY NE SUITE 400 ATLANTA, GA 30342 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 0.33% |
| CREATIVE WORKSITE SOLUTIONS LLC3 Filed as: CREATIVE WORKSITE SOLUTIONS, LLC | 3404 SALTERBECK STREET, SUITE 207 MOUNT PLEASANT, SC 29466 | TRANSAMERICA LIFE INSURANCE COMPANY | $53K | — | $53K | 29.55% |
| JOHN M. HILTON3 | 8449 CORPORATE CENTER DRIVE CHARLOTTE, NC 28226 | TRANSAMERICA LIFE INSURANCE COMPANY | $15K | — | $15K | 8.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 8049 CORPORATE CENTER DRIVE CHARLOTTE, NC 28226 | TRANSAMERICA LIFE INSURANCE COMPANY | $11K | — | $11K | 6.29% |
| BENEFIT CONTROLS OF THE CAROLINAS3 | 8049 CORPORATE CENTER DRIVE CHARLOTTE, NC 28226 | EYEMED VISION CARE | $7K | — | $7K | 4.20% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC. | PO BOX 6180 CAROL STREAM, IL 60197 | EYEMED VISION CARE | $5K | — | $5K | 3.32% |
| CLEARVIEW GROUP3 | 1350 DRESEN DRIVE NE ATLANTA, GA 30319 | EYEMED VISION CARE | $3K | — | $3K | 1.64% |
| CREATIVE WORKSITE SOLUTIONS LLC3 Filed as: CREATIVE WORKSITE SOLUTIONS, LLC | 3404 SALTERBECK STREET MOUNT PLEASANT, SC 29466 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24K | — | $24K | 25.43% |
| BENEFIT CONTROLS OF THE CAROLINAS3 Filed as: BENEFIT CONTROLS, INC. | PO BOX 473284 CHARLOTTE, NC 28247 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 11.90% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 3.36% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.71% |
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 | 2,666 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,694 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,574 | $969K |
| Vision | EYEMED VISION CARE | 3,540 | $163K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,666 | $1.4M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,666 | $1.4M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,666 | $1.4M |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,666 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,574 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.