| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TAWAS BAY INSURANCE AGENCY, LLC3 Filed as: TAWAS BAY INS AGENCY, LLC | P.O. BOX 188 WEST BRANCH, MI 48661 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $27K | — | $27K | 5.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 4100 NEWPORT PLACE DRIVE 650 NEWPORT BEACH, CA 92660 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $858 | $25 | $883 | 0.19% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC | P.O. BOX 603438 CHARLOTTE, NC 28260 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 18.08% |
| HARTZ INSURANCE AGENCY LLC3 | P.O. BOX 188 WEST BRANCH, MI 48661 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.92% |
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 | 634 | 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) | 634 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 1,049 | $341K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 38 | $20K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 634 | $471K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 634 | $471K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 634 | $471K |
| Other | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 634 | $471K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,049 | — |
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.