| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT PARTNERS GROUP LLC3 Filed as: BENEFIT PARTNERS INC | 102 HIDDEN PASTURES DR STE 206 CRAMERTON, NC 28032 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $0 | $3K | 21.81% |
| MCGRIFF INSURANCE SERVICES INC3 | 5925 CARNEGIE BLVD SUITE 400 CHARLOTTE, NC 28209 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $0 | $3K | 20.87% |
| MCGRIFF INSURANCE SERVICES INC3 | 404 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | RELIANCE STANDARD | $386 | $0 | $386 | 5.23% |
| BENEFIT PARTNERS GROUP LLC3 Filed as: BENEFIT PARTNERS INC | 102 HIDDEN PASTURES DR STE 206 CRAMERTON, NC 28032 | RELIANCE STANDARD | $352 | $0 | $352 | 4.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PLANNED ADMINISTRATORS INC EIN 57-0718839 TPA ADMIN FEES | Contract Administrator; Claims processing Service code 12 | 17 TECHNOLOGY CIRCLE STE E2AG COLUMBIA, SC 29203 | $33K |
| BENEFIT PARTNERS INC EIN 56-2045961 BROKER | Insurance agents and brokers Service code 22 | — | $0 |
| BLUE CROSS BLUE SHIELD OF SC EIN 57-0287419 PPO & UTILIZATION REVIEW | Other fees Service code 99 | — | $0 |
| FIRST HEALTH EIN 20-1736437 PPO NETWORK | Other fees Service code 99 | — | $0 |
| HEALTHRISK RESOURCE GROUP EIN 52-2085838 PPO NETWORK | Other fees Service code 99 | — | $0 |
| MAIN STREET INSURANCE EIN 56-2185489 BROKER | Insurance agents and brokers Service code 22 | — | $0 |
| MCGRIFF INSURANCE SERVICES EIN 56-1623293 BROKER | Insurance agents and brokers Service code 22 | — | $0 |
| MEDCOST EIN 56-1999192 PPO NETWORK | Other fees Service code 99 | — | $0 |
| WAGEWORKS EIN 94-3351864 COBRA ADMIN | Other fees Service code 99 | — | $0 |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 185 | $354K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 117 | $15K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 117 | $15K |
| Life insurance | RELIANCE STANDARD | 185 | $67K |
| Long-term disability | RELIANCE STANDARD | 38 | $7K |
| Prescription drug | HCC LIFE INSURANCE COMPANY | 185 | $354K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 185 | $354K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.