| 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 | $6K | — | $6K | 4.56% |
| PILOT FINANCIAL BRKG INC3 | 3608 W FRIENDLY AVE STE 212 GREENSBORO, NC 27410 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 4.82% |
| PILOT FINANCIAL BRKG INC3 | 3608 W FRIENDLY AVE STE 212 GREENSBORO, NC 27410 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 4.00% |
| PILOT FINANCIAL BRKG INC3 | 3608 W FRIENDLY AVE STE 212 GREENSBORO, NC 27410 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 4.67% |
| PILOT FINANCIAL BRKG INC3 | 3608 W FRIENDLY AVE STE 212 GREENSBORO, NC 27410 | STANDARD INSURANCE COMPANY | $239 | — | $239 | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PIAS RISK MGT AND SERV. CO. INC. EIN 62-1346425 | Other services; Direct payment from the plan Service code 49 | — | $115K |
| CHERRY BEKAERT LLP EIN 56-0574444 | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $18K |
| THE TRAVELERS INDEMNITY COMPANY EIN 06-0566050 | Insurance services; Direct payment from the plan Service code 23 | — | $11K |
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 | 964 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 964 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 111 | $92K |
| Vision | STANDARD INSURANCE COMPANY | 40 | $6K |
| Life insurance | STANDARD INSURANCE COMPANY | 450 | $88K |
| Short-term disability | STANDARD INSURANCE COMPANY | 295 | $96K |
| Long-term disability | STANDARD INSURANCE COMPANY | 516 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 516 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.