| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DENNIS INSURANCE3 Filed as: DENNIS INSURANCE AND FINANCIAL | 901 BATTLEGROUND AVE GREENSBORO, NC 27408 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $33K | $36K | 4.60% |
| DENNIS INSURANCE3 Filed as: DENNIS INSURANCE AND FINANCIAL | 901 BATTLEGROUND AVE STE A GREENSBORO, NC 27408 | UNITED HEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 4.69% |
| DENNIS INSURANCE3 | 901 BATTLEGROUND AVE SUITE A GREENSBORO, NC 27408 | EQUITABLE | $15K | — | $15K | 11.17% |
| BROKERS HOLDING GROUP3 Filed as: BROKERS HOLDING GROUP LLC | BROKERS HOLDING GROUP LEXINGTON, SC 29072 | EQUITABLE | $0 | $6K | $6K | 4.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DENNIS INSURANCE & FIN SVCS EIN 56-1861994 INSURANCE SVCS | Insurance brokerage commissions and fees Service code 53 | 901 BATTLEGROUND AVE SUITE A GREENSBORO, NC 27408 | $6K |
| ACS BENEFIT SERVICES LLC EIN 56-1472467 SERVICE PROVIDER | Contract Administrator; Claims processing Service code 12 | 470 W HANES MILL RD SUITE 100 WINSTON-SALEM, NC 27105 | $6K |
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 | 355 | 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) | 355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 355 | $1.0M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 355 | $775K |
| Life insurance | EQUITABLE | 259 | $131K |
| Short-term disability | EQUITABLE | 259 | $131K |
| Long-term disability | EQUITABLE | 259 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.