| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PILOT FINANCIAL BRKG INC3 | 3608 W FRIENDLY AVE, STE 212 GREENSBORO, NC 27410 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 4.95% |
| PILOT FINANCIAL BRKG INC3 | 3608 W FRIENDLY AVE, STE 212 GREENSBORO, NC 27410 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 4.96% |
| PILOT FINANCIAL BRKG INC3 | 3608 W FRIENDLY AVE, STE 212 GREENSBORO, NC 27410 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 8.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| C S GRIGGS CORPORATION EIN 58-2041587 SERVICE PROVIDER | Other services; Direct payment from the plan Service code 49 | — | $144K |
| PRINTING INDUSTRY ASSN OF SO CA INC EIN 95-1501502 SERVICE PROVIDER | Direct payment from the plan; Other services Service code 49 | — | $37K |
| FUNK & BOLTON, PA EIN 52-1961786 SERVICE PROVIDER | Legal; Direct payment from the plan Service code 29 | — | $28K |
| VISUAL MEDIA ALLIANCE EIN 94-1425703 SERVICE PROVIDER | Other services; Direct payment from the plan Service code 49 | — | $18K |
| WOODSTOCK INN & RESORT EIN 03-0220066 SERVICE PROVIDER | Other services; Direct payment from the plan Service code 49 | — | $18K |
| PRINTING & IMAGING ASSN OF GEORGIA EIN 58-0146550 SERVICE PROVIDER | Other services; Direct payment from the plan Service code 49 | — | $17K |
| THE TRAVELERS INDEMNITY COMPANY EIN 06-0566050 SERVICE PROVIDER | Direct payment from the plan; Insurance services Service code 23 | — | $13K |
| CHERRY BEKAERT LLP EIN 56-0574444 SERVICE PROVIDER | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $11K |
| HOTEL DEL CORONADO EIN 20-0493783 NONE | Other services; Direct payment from the plan Service code 49 | — | $9K |
| PRINTING INDUSTRIES OF AMERICA EIN 53-0159450 SERVICE PROVIDER | Direct payment from the plan; Other services Service code 49 | — | $8K |
| GREAT LAKES GRAPHICS ASSOCIATION EIN 39-0478400 SERVICE PROVIDER | Direct payment from the plan; Other services Service code 49 | — | $7K |
| PRINTING & GRAPHICS ASSOC MIDATLANT EIN 52-0513460 SERVICE PROVIDER | Other services; Direct payment from the plan Service code 49 | — | $7K |
| PRINTING INDUSTRY ASSN OF THE SOUTH EIN 62-0304765 SERVICE PROVIDER | Other services; Direct payment from the plan Service code 49 | — | $7K |
| BANK OF AMERICA EIN 94-1687665 SERVICE PROVIDER | Direct payment from the plan; Other services Service code 49 | — | $6K |
| LEWISBURG PRINTING EIN 62-0636699 SERVICE PROVIDER | Other services; Direct payment from the plan Service code 49 | — | $6K |
| PRINTING INDUSTRY ASSN OF SAN DIEGO EIN 95-2654595 SERVICE PROVIDER | Direct payment from the plan; Other services Service code 49 | — | $5K |
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 | 1,137 | 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) | 1,137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 396 | $49K |
| Short-term disability | STANDARD INSURANCE COMPANY | 573 | $155K |
| Long-term disability | STANDARD INSURANCE COMPANY | 940 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 940 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.