| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5145 GREENVILLE, SC 29606 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | $0 | $20K | 0.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | RELIASTAR LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| PHILLIP GOODRUM3 | 131 HILLSIDE AVE CHARLOTTE, NC 28209 | RELIASTAR LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.42% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATIONS LLC | 4400 PARK RD STE 311 CHARLOTTE, NC 28209 | RELIASTAR LIFE INSURANCE COMPANY | $777 | $0 | $777 | 1.59% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATIONS LLC | 131 HILLSIDE AVE CHARLOTTE, NC 28209 | RELIASTAR LIFE INSURANCE COMPANY | $519 | $0 | $519 | 1.06% |
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 | 244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 372 | $3.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 372 | $3.6M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 372 | $3.6M |
| Life insurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 372 | $3.6M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 194 | $49K |
| Long-term disability | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 372 | $3.6M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 372 | $3.6M |
| Other | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 372 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.