| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD UNIT 300 MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $17K | $17K | 5.00% |
| ADVOSEE | 1523 ELIZABETH AVE STE 300 CHARLOTTE, NC 28204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $10K | $10K | 3.00% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD UNIT 300 MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $13K | $13K | 5.00% |
| ADVOSEE | 1523 ELIZABETH AVE STE 300 CHARLOTTE, NC 28204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $13K | $13K | 5.00% |
| MAIN STREET FINANCIAL GROUP Filed as: MAIN STREET FINANCIAL GROUP, INC | 22 NORTH TRADE STREET TRYON, NC 28782 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $5K | — | $5K | 4.07% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD UNIT 300 MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 5.00% |
| ADVOSEE3 | 1523 ELIZABETH AVE STE 300 CHARLOTTE, NC 28204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 5.00% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD UNIT 300 MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 5.00% |
| ADVOSEE3 | 1523 ELIZABETH AVE STE 300 CHARLOTTE, NC 28204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSUR SVCS | PO BOX 101162 PASADENA, CA 91189 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | — | $0 | — |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSUR SVCS | PO BOX 101162 PASADENA, CA 91189 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | — | $0 | — |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS TOWERS WATSON SOUTHEAST | 12882 COLLECTIONS CENTER DR CHICAGO, IL 60693 | UNUM LIFE INSUR CO OF AMERICA | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSUR CO EIN 59-1031071 MEDICAL ADMIN | Other services; Named fiduciary; Claims processing; Non-monetary compensation; Float revenue; Contract Administrator; Direct payment from the plan; Participant communication Service code 12 | — | $471K |
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 | 1,476 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,024 | $334K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 939 | $116K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 771 | $256K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 183 | $95K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 468 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,024 | — |
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.