| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMERON M. HARRIS AND COMPANY3 Filed as: CAMERON M HARRIS & CO LLC | PO BOX 220948 CHARLOTTE, NC 282220948 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $67K | — | $67K | 7.59% |
| HARVARD PRINTING GROUP0 | 175 US HIGHWAY 46 WEST FAIRFIELD, NJ 070042327 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $831 | $831 | 0.09% |
| CAMERON M. HARRIS AND COMPANY3 Filed as: CAMERON M HARRIS & CO LLC | PO BOX 220948 CHARLOTTE, NC 29222 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | — | $23K | 5.38% |
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 | 841 | 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) | 841 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,637 | $424K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 903 | $885K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 903 | $885K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 903 | $885K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 903 | $885K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,637 | — |
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.