| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE SOLUTION | PO BOX 15734 DURHAM, NC 27704 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 4.69% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE SOLUTION | PO BOX 15734 DURHAM, NC 27704 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 8.20% |
| ERIC LUDWIG5 | PO BOX 1349 WAKE FOREST, NC 27588 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTERACTIVE MEDICAL SYSTEMS, INC. EIN 56-1320452 | Recordkeeping fees Service code 64 | PO BOX 1349 WAKE FOREST, NC 27588 | $53K |
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 | 272 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 138 | $42K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 28 | $11K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $108K |
| Stop-loss / reinsurancereinsurance | PAN AMERICAN LIFE INSURANCE COMPANY | 272 | $364K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.