| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT WATCH LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $45K | — | $45K | 8.74% |
| BENEFIT WATCH LLC3 | 4969 MERCANTILE ROAD SUITE J BALTIMORE, MD 21236 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | — | $5K | 7.91% |
| PHILIP BUCHANAN3 | 4969 MERCANTILE ROAD SUITE J NOTTINGHAM, MD 21236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.00% |
| DAVID BLOCK3 | PO BOX 1809 CHANDLER, NC 28715 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 3.00% |
| MWL3 | PO BOX 14067 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $379 | — | $379 | 1.05% |
| PHILIP BUCHANAN3 | 4969 MERCANTILE ROAD SUITE J NOTTINGHAM, MD 21236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| DAVID BLOCK3 | PO BOX 1809 CHANDLER, NC 28715 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $929 | — | $929 | 3.00% |
| MWL3 | PO BOX 14067 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $557 | — | $557 | 1.80% |
| PHILIP BUCHANAN3 | 4969 MERCANTILE ROAD SUITE J NOTTINGHAM, MD 21236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.01% |
| DAVID BLOCK3 | PO BOX 1809 CHANDLER, NC 28715 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $714 | — | $714 | 3.00% |
| MWL3 | PO BOX 14067 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $428 | — | $428 | 1.80% |
| BENEFIT WATCH LLC3 Filed as: BENEFIT WATCH, LLC | — | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $837 | — | $837 | 10.00% |
| PHILIP BUCHANAN3 | 4969 MERCANTILE ROAD SUITE J NOTTINGHAM, MD 21236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $307 | — | $307 | 10.01% |
| DAVID BLOCK3 | PO BOX 1809 CHANDLER, NC 28715 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $92 | — | $92 | 3.00% |
| MWL3 | PO BOX 14067 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $32 | — | $32 | 1.04% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 84 | $517K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 88 | $57K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 89 | $8K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 112 | $36K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 112 | $31K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 112 | $24K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 112 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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.