| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TUCKER ADMINISTRATORS, INC.5 | 3800 ARCO CORPORATE DRIVE, STE 450 CHARLOTTE, NC 28273 | MUTUAL OF OMAHA | — | $7K | $7K | 25.00% |
| TUCKER ADMINISTRATORS, INC.5 | 3800 ARCO CORPORATE DRIVE, STE 450 CHARLOTTE, NC 28273 | MUTUAL OF OMAHA | — | $2K | $2K | 13.64% |
| TUCKER ADMINISTRATORS, INC.5 | 3800 ARCO CORPORATE DRIVE, STE 450 CHARLOTTE, NC 28273 | MUTUAL OF OMAHA | — | $1K | $1K | 24.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TUCKER ADMINISTRATORS, INC. EIN 56-1315069 ADMINISTRATOR/BROKER | Insurance agents and brokers; Contract Administrator; Claims processing Service code 12 | — | $55K |
| COMMUNITY EYE CARE VISION ADMINISTRATOR | Claims processing; Other insurance fees and expenses; Contract Administrator Service code 12 | 2359 PERIMETER POINTE PKWY, STE 150 CHARLOTTE, NC 28208 | $11K |
| S&S HEALTHCARE STRATEGIES LTD EIN 31-1418743 CONSULTANT | Other insurance fees and expenses Service code 73 | — | $7K |
| MEDWATCH, LLC EIN 20-0908354 UTILIZATION CONSULTANT | Other insurance fees and expenses Service code 73 | — | $6K |
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 | 108 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | MUTUAL OF OMAHA | 161 | $4K |
| Short-term disability | MUTUAL OF OMAHA | 121 | $27K |
| Long-term disability | MUTUAL OF OMAHA | 121 | $17K |
| Other | MUTUAL OF OMAHA | 161 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.