| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J. ARTHUR DAIL, INC.3 | 6000 FAIRVIEW ROAD SUITE 1200 CHARLOTTE, NC 28210 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 12.68% |
| J. ARTHUR DAIL, INC.3 | 6000 FAIRVIEW ROAD SUITE 1200 CHARLOTTE, NC 28210 | UNION SECURITY INSURANCE COMPANY | $8K | — | $8K | 14.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 PPO NETWORK | Other services Service code 49 | 900 COTTAGE GROVE RD. BLOOMFIELD, CT 06002 | $42K |
| INTEGRA EMPLOYER HEALTH, LLC EIN 56-1392505 CONTRACTADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 2425 CROWN POINT EXECUTIVE DRIVE CHARLOTTE, NC 28227 | $37K |
| MAGELLAN RX MANAGEMENT, LLC EIN 46-3708039 PBM | Direct payment from the plan; Claims processing; Other fees Service code 12 | 15950 N 76TH ST, SUITE 200 SCOTTSDALE, AZ 85260 | $13K |
| J. ARTHUR DAIL, INC. EIN 58-1902702 BROKER | Insurance agents and brokers Service code 22 | 6000 FAIRVIEW ROAD SUITE 1200 CHARLOTTE, NC 28210 | $6K |
| TELADOC EIN 04-3705970 TELEMEDICINE PROVIDER | Other fees Service code 99 | — | $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 | 244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNION SECURITY INSURANCE COMPANY | 118 | $52K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 246 | $184K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 246 | $184K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 246 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.