| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMWINS3 | 4725 PIEDMONTH ROW DRIVE STE 600 CHARLOTTE, NC 28210 | COMPANION LIFE INS CO | $41K | — | $41K | 7.00% |
| MEGAN R SILVERMAN3 | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | STARMOUNT LIFE INSURANCE COMPANY | $28K | $3K | $30K | 10.95% |
| E POWERED BENEFITS LLC3 | 106 LANGTREE VILLAGE STE 301 MOORESVILLE, NC 28117 | STARMOUNT LIFE INSURANCE COMPANY | $28K | — | $28K | 10.00% |
| DAVID MCCLENNAN3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | STARMOUNT LIFE INSURANCE COMPANY | — | $14K | $14K | 5.00% |
| MEGAN R SILVERMAN3 | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $8K | $29K | 13.85% |
| E POWERED BENEFITS LLC3 | 106 LANGTREE VILLAGE STE 301 MOORESVILLE, NC 28117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 10.00% |
| DAVID J MCCLELLAN3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $10K | $10K | 5.00% |
| MEGAN R SILVERMAN3 | 1423 MARTIN MEADOWS RD FALLSTON, MD 21047 | UNUM INSURANCE COMPANY | $5K | $5K | $10K | 19.64% |
| DAVID J MCCLELLAN3 Filed as: DAVID MCCLELLAN | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM INSURANCE COMPANY | $7K | $3K | $10K | 18.99% |
| E POWERED BENEFITS LLC3 | 106 LANGTREE VILLAGE STE 301 MOORESVILLE, NC 28117 | UNUM INSURANCE COMPANY | $5K | — | $5K | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STEALTH PARTNER GROUP EIN 27-0290806 STOP LOSS | Other fees; Insurance services Service code 23 | — | $600K |
| COASTAL ADMINISTRATIVE SERVICES EIN 91-1991574 TPA | Contract Administrator; Claims processing Service code 12 | — | $167K |
| EPOWERED BENEFITS EIN 83-1284983 BROKER | Custodial (securities) Service code 19 | — | $90K |
| 6 DEGREE HEALTH DX EIN 81-4242649 NETWORK FEES | Claims processing Service code 12 | — | $70K |
| SHARX LLC EIN 84-3019478 MEDICAL MANAGEMENT | Claims processing Service code 12 | — | $65K |
| AIMM EIN 13-4254735 MEDICAL MANAGEMENT | Claims processing Service code 12 | — | $54K |
| BENEGAGE LLC EIN 92-0354683 MEMBER ADVOCACY | Other fees Service code 99 | — | $39K |
| S&S/AETNA EIN 31-1418744 NETWORK FEES | Contract Administrator Service code 13 | — | $12K |
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 | 466 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 466 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INS CO | 319 | $592K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 313 | $276K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 313 | $276K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 466 | $207K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 466 | $207K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 466 | $207K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INS CO | 319 | $592K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 466 | $259K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 466 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.