| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $64K | $62K | $126K | 6.81% |
| NOVUS BENEFIT ADVISORS3 Filed as: NOVUS PB CONSULTANTS | 7315 SANTORINI LN CHARLOTTE, NC 28277 | DELTA DENTAL OF NORTH CAROLINA | $10K | $0 | $10K | 1.00% |
| FRANK SYLVESTER3 | 7315 SANTORINI LANE CHARLOTTE, NC 28277 | AETNA HEALTH INC. | $17K | $0 | $17K | 2.42% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AETNA HEALTH INC. | $2K | $0 | $2K | 0.32% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | KAISER FOUNDATION HEALTH PLAN INC. | $0 | $173 | $173 | 0.03% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM INSURANCE COMPANY | $193K | $13K | $206K | 38.71% |
| NOVUS BENEFIT ADVISORS3 Filed as: NOVUS PB CONSULTANTS LLC | 7315 SANTOURINI LANE CHARLOTTE, NC 28277 | UNUM INSURANCE COMPANY | $72K | $0 | $72K | 13.49% |
| NOVUS BENEFIT ADVISORS3 Filed as: NOVUS PB CONSULTANTS LLC | 7315 SANTOURINI LN CHARLOTTE, NC 28277 | UNUM INSURANCE COMPANY | $51K | $0 | $51K | 9.65% |
| UNKNOWN3 | UNKNOWN CHARLOTTE, NC 28277 | HEALTH NEW ENGLAND, INC. | $14K | $0 | $14K | 3.19% |
| FRANK SYLVESTER3 | 7315 SANTORINI LANE CHARLOTTE, NC 28277 | AETNA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.27% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AETNA LIFE INSURANCE COMPANY | $291 | $0 | $291 | 0.17% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $58K | $32K | $91K | 155.45% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $2K | $4K | 10.00% |
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 | 2,762 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,796 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | AETNA HEALTH INC. | 121 | $1.9M |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 3,209 | $997K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 5,556 | $243K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,447 | $1.9M |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,447 | $1.9M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,447 | $1.9M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 105 | $610K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,447 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,556 | — |
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.
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.