| 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 | — | $16K | $16K | 5.00% |
| ADVOSEE | 1523 ELIZABETH AVE STE 300 CHARLOTTE, NC 28204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| 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 | — | — | $0 | 0.00% |
| MAIN STREET FINANCIAL GROUP Filed as: MAIN STREET FINANCIAL GROUP, INC | 22 NORTH TRADE STREET TRYON, NC 28782 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $9K | $6K | $15K | 7.56% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD UNIT 300 MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 5.00% |
| ADVOSEE3 | 1523 ELIZABETH AVE STE 300 CHARLOTTE, NC 28204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| 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 | — | — | $0 | 0.00% |
| 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 | Non-monetary compensation; Direct payment from the plan; Named fiduciary; Float revenue; Participant communication; Claims processing; Contract Administrator; Other services Service code 12 | — | $386K |
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 | 1,626 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,626 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 940 | $315K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 830 | $194K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 709 | $252K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 166 | $95K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 430 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 940 | — |
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.