| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PIEDMONT INSURANCE & BENEFITS INC3 Filed as: PIEDMONT INSURANCE GROUP | PO BOX 1568 MOUNT AIRY, NC 27030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 2.03% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $58K | $6K | $64K | 18.38% |
| MEDCOST BENEFIT SERVICES3 Filed as: MEDCOST BENEFIT SERVICES LLC | 165 KIMEL PARK DR. WINSTON-SALEM, NC 27103 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 17.00% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH. THOMAS, CHRISTOPHER | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $180 | $2K | 22.81% |
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 | 1,818 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,824 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,337 | $63K |
| Short-term disability(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 895 | $388K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,170 | $387K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 1,411 | $928K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,337 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,411 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.