| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NC LLC | PO BOX 14946 GREENSBORO, NC 27415 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.61% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY #1950 ATLANTA, GA 30339 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.96% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 5.85% |
| UNITED OF OMAHA LIFE INSURANCE CO3 Filed as: UNITED OF OMAHA LIFE INSURANCE CO. | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 12.42% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE ST 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.83% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NC LLC | PO BOX 14946 GREENSBORO, NC 27415 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $947 | — | $947 | 4.17% |
| IBSI HOLDINGS INC3 Filed as: IBSI HOLDINGS, INC. | 1381 OLD MILL CIR STE 301 WINSTON SALEM, NC 27103 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $744 | $744 | 3.28% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY #1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $842 | — | $842 | 8.51% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NC LLC | PO BOX 14946 GREENSBORO, NC 27415 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $642 | — | $642 | 6.49% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $465 | $465 | 4.70% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY #1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $669 | — | $669 | 7.34% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $456 | $456 | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NC LLC | PO BOX 14946 GREENSBORO, NC 27415 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $450 | — | $450 | 4.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STANLEY W PARK TPA | Insurance agents and brokers Service code 22 | PO BOX 14946 GREENSBORO, NC 27415 | $39K |
| BLUE CROSS BLUE SHIELD OF NC EIN 56-0894904 MEDICAL ADMIN | Claims processing; Contract Administrator Service code 12 | — | $27K |
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 | 100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 16 | $36K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $52K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 96 | $23K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 96 | $23K |
| Other(3 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.