| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE SOLUTION | PO BOX 15734 DURHAM, NC 27704 | COMPANION LIFE OF COLUMBIA, SC | $47K | — | $47K | 11.76% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE SOLUTION | PO BOX 15734 DURHAM, NC 27704 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.45% |
| VERNON L TYSON3 | 1215 NIGHTINGALE COURT LELAND, NC 28451 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 1.23% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE SOLUTIONS | PO BOX 15734 DURHAM, NC 27704 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.42% |
| CHARLOTTE OFFICE, DIRECT BUSINESS3 | 6100 FAIRVIEW RD, STE 750 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| ERIC LUDWIG5 Filed as: ERIC CARL LUDWIG | PO BOX 1349 WAKE FOREST, NC 27588 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTERACTIVE MEDICAL SYSTEMS, INC. EIN 56-1320452 | Recordkeeping fees Service code 64 | PO BOX 1349 WAKE FOREST, NC 27588 | $56K |
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 | 290 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $50K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 29 | $13K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 273 | $108K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE OF COLUMBIA, SC | 290 | $401K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.