| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACS BENEFIT SERVICES LLC3 Filed as: ACS BENEFIT SERVICES, INC. | 8025 NORTH POINT BLVD, STE 100 WINSTON-SALEM, NC 27106 | COMPANION LIFE INSURANCE CO. | $12K | — | $12K | 9.08% |
| ACS BENEFIT SERVICES LLC3 Filed as: ACS BENEFIT SERVICES, INC. | 8025 NORTH POINT BLVD WINSTON-SALEM, NC 27106 | AIG BENEFIT SOLUTIONS (NATIONAL UNION FIRE COMPANY OF PITTSBURGH, PA) | $4K | — | $4K | 9.10% |
| ACS BENEFIT SERVICES LLC3 Filed as: ACS BENEFIT SERVICES, INC. | 8025 NORTH POINT BLVD WINSTON-SALEM, NC 27106 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.88% |
| SDM&R, INC DBA SENN DUNN INSURANCE3 Filed as: SDM&R | PO BOX 9375 GREENSBORO, NC 27429 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.58% |
No Schedule C service providers reported on this filing.
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 | 381 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE CO. | 383 | $132K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 416 | $38K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 416 | $38K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 416 | $38K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE CO. | 383 | $132K |
| Other | AIG BENEFIT SOLUTIONS (NATIONAL UNION FIRE COMPANY OF PITTSBURGH, PA) | 383 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 416 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.