| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NORTH CAROLINA LL | 4010 OLEANDER DR WILMINGTON, NC 28403 | UNITED HEALTHCARE INSURANCE COMPANY | $30K | $0 | $30K | 2.47% |
| THE CASON GROUP INC3 Filed as: CASON GROUP INC | 1612 MARION ST COLUMBIA, SC 29201 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 0.31% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING INSURANCE | 71 HANOVER RD LOCK BOX GH200 FLORHAM PARK, NJ 07932 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $14K | $4K | $18K | 3.91% |
| AP BENEFIT ADVISORS, LLC3 | 1101 WOOTTON PARKWAY SUITE 820 ROCKVILLE, MD 20892 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $4K | $0 | $4K | 0.77% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING INSURANCE | 71 HANOVER RD FLORHAM PARK, NJ 07932 | DELTA DENTAL OF VIRGINIA | $7K | $0 | $7K | 4.62% |
| NOVUS BENEFIT ADVISORS3 | 3550 TORINGTON WAY SUITE 205 CHARLOTTE, NC 28277 | COMPANION LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.01% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | 1612 MARION ST COLUMBIA, SC 29201 | COMPANION LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.77% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 90 | $1.7M |
| Dental | DELTA DENTAL OF VIRGINIA | 334 | $142K |
| Vision | VISION SERVICE PLAN | 91 | $16K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 86 | $42K |
| Long-term disability | COMPANION LIFE INSURANCE COMPANY | 86 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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.