| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT WATCH LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $47K | — | $47K | 13.29% |
| BENEFIT WATCH LLC3 | 4969 MERCANTILE ROAD SUITE J BALTIMORE, MD 21236 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 7.89% |
| MARK GAGE3 | 1155 SMALL OAK COURT ELDERSBURG, MD 21784 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.99% |
| JAMES HARTLEY3 | 563 NORTHEAST BROAD STREET SOUTHERN PINES, NC 28387 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.00% |
| DAVID BLOCK3 | PO BOX 1809 CHANDLER, NC 28715 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $943 | — | $943 | 3.00% |
| MWL3 | PO BOX 14067 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $566 | — | $566 | 1.80% |
| MARK GAGE3 | 1155 SMALL OAK COURT ELDERSBURG, MD 21784 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.00% |
| JAMES HARTLEY3 | 563 NORTHEAST BROAD STREET SOUTHERN PINES, NC 28387 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.01% |
| DAVID BLOCK3 | PO BOX 1809 CHANDLER, NC 28715 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $802 | — | $802 | 3.00% |
| MWL3 | PO BOX 14067 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $480 | — | $480 | 1.80% |
| MARK GAGE3 | 1155 SMALL OAK COURT ELDERSBURG, MD 21784 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.00% |
| JAMES HARTLEY3 | 563 NORTHEAST BROAD STREET SOUTHERN PINES, NC 28387 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.00% |
| DAVID BLOCK3 | PO BOX 1809 CHANDLER, NC 28715 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $617 | — | $617 | 3.00% |
| MWL3 | PO BOX 14067 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $369 | — | $369 | 1.80% |
| BENEFIT WATCH LLC3 | 4969 MERCANTILE ROAD SUITE J NOTTINGHAM, MD 21236 | ADVANTICA REINSURANCE COMPANY | $667 | — | $667 | 9.99% |
| MARK GAGE3 | 1155 SMALL OAK COURT ELDERSBURG, MD 21784 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $213 | — | $213 | 8.00% |
| JAMES HARTLEY3 | 563 NORTHEAST BROAD STREET SOUTHERN PINES, NC 28387 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $133 | — | $133 | 4.99% |
| DAVID BLOCK3 | PO BOX 1809 CHANDLER, NC 28715 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $80 | — | $80 | 3.00% |
| MWL3 | PO BOX 14067 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $47 | — | $47 | 1.76% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 79 | $351K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 81 | $49K |
| Vision | ADVANTICA REINSURANCE COMPANY | 177 | $7K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 105 | $31K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 105 | $27K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 105 | $21K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 105 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.