| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $44K | $44K | 2.23% |
| PATRIC M. CREAMER INS. AGENCY, INC.3 | 51 EAST 400 NORTH, SUITE 5A CEDAR CITY, UT 84721 | SELECT HEALTH | $54K | $18K | $72K | 3.67% |
| CREATIVE WORKSITE SOLUTIONS LLC3 Filed as: CREATIVE WORKSITE SOLUTIONS, LLC | 3404 SALTERBECK STREET, SUITE 207 MOUNT PLEASANT, SC 29466 | TRANSAMERICA LIFE INSURANCE COMPANY | $37K | $0 | $37K | 8.09% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD, SUITE 1400 CHARLOTTE, NC 28210 | TRANSAMERICA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 2.78% |
| JOHN S WELCH3 Filed as: JOHN S. WELCH | 511 SHEPHERD STREET, SUITE 101A WINSTON-SALEM, NC 27103 | TRANSAMERICA LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| POMFRET FINANCIAL CO., INC.3 | 1115 EAST MOREHEAD STREET CHARLOTTE, NC 28204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $0 | $10K | 17.50% |
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 | 1,778 | 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) | 1,778 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | SELECT HEALTH | 278 | $3.3M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 109 | $649K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 2,343 | $823K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,778 | $2.4M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,778 | $2.0M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,778 | $2.0M |
| Prescription drug(3 contracts, 3 carriers) | SELECT HEALTH | 278 | $3.3M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,778 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,343 | — |
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."
No prospect flags tripped on this filing.