| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT WATCH LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $414 | $414 | 0.08% |
| 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 | $1K | — | $1K | 3.00% |
| MORGAN WHITE LIMITED D/B/A MWG BROK3 | PO BOX 14067 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $366 | — | $366 | 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 | $983 | — | $983 | 3.00% |
| MORGAN WHITE LIMITED D/B/A MWG BROK3 | PO BOX 14067 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $588 | — | $588 | 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 | $698 | — | $698 | 3.00% |
| MORGAN WHITE LIMITED D/B/A MWG BROK3 | PO BOX 14067 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $419 | — | $419 | 1.80% |
| BENEFIT WATCH LLC3 Filed as: BENEFIT WATCH, LLC | 4969 MERCANTILE ROAD NOTTINGHAM, MD 21236 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $683 | — | $683 | 10.00% |
| PHILIP BUCHANAN3 | 4969 MERCANTILE ROAD SUITE J NOTTINGHAM, MD 21236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $296 | — | $296 | 10.02% |
| DAVID BLOCK3 | PO BOX 1809 CHANDLER, NC 28715 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $89 | — | $89 | 3.01% |
| MORGAN WHITE LIMITED D/B/A MWG BROK3 | PO BOX 14067 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $31 | — | $31 | 1.05% |
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 | 76 | $540K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 171 | $58K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 79 | $7K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 106 | $35K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 106 | $33K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 106 | $23K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 106 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.