| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARPENTER INSURANCE LLC3 Filed as: CARPENTER GROUP INC | 312 RENSSELAER AVE SUITE 200 CHARLOTTE, NC 28203 | ALL SAVERS INSURANCE COMPANY | $7K | $0 | $7K | 6.73% |
| MAIN STREET FINANCIAL GROUP3 | 22 N TRADE STREET TRYON, NC 28782 | ALL SAVERS INSURANCE COMPANY | $5K | $0 | $5K | 4.84% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD UNIT 300 MOUNT PLEASANT, SC 29464 | ALL SAVERS INSURANCE COMPANY | $26 | $0 | $26 | 0.02% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP, LLC | 1439 STUART ENGALS BLVD SUITE 300 MOUNT PLEASANT, SC 29464 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.99% |
| CARPENTER INSURANCE LLC3 Filed as: THE CARPENTER GROUP INC | 312 RENSSELAER AVE SUITE 2 CHARLOTTE, NC 28203 | PRINCIPAL LIFE INSURANCE COMPANY | $666 | $0 | $666 | 3.32% |
| MAIN STREET FINANCIAL GROUP3 Filed as: MAIN STREET INSURANCE GROUP | 22 N TRADE STREET TRYON, NC 28782 | PRINCIPAL LIFE INSURANCE COMPANY | $662 | $0 | $662 | 3.30% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD UNIT 300 MOUNT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $879 | $53 | $932 | 5.25% |
| CARPENTER INSURANCE LLC3 Filed as: THE CARPENTER GROUP INC | 312 RENSSELAER AVE SUITE 200 CHARLOTTE, NC 28203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $909 | $0 | $909 | 5.12% |
| MAIN STREET FINANCIAL GROUP3 | 22 N TRADE STREET TRYON, NC 28782 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $876 | $0 | $876 | 4.93% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD UNIT 300 MOUNT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $244 | $28 | $272 | 5.52% |
| MAIN STREET FINANCIAL GROUP3 | 22 N TRADE STREET TRYON, NC 28782 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $254 | $0 | $254 | 5.16% |
| CARPENTER INSURANCE LLC3 Filed as: THE CARPENTER GROUP INC | 312 RENSSELAER AVE SUITE 200 CHARLOTTE, NC 28203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $241 | $0 | $241 | 4.89% |
| MAIN STREET FINANCIAL GROUP3 | 22 N TRADE STREET TRYON, NC 28782 | COMMUNITY EYE CARE | $395 | $0 | $395 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 CLAIMS | Claims processing Service code 12 | — | $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 | 40 | 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) | 40 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 32 | $18K |
| Vision | COMMUNITY EYE CARE | 40 | $4K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 40 | $20K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 40 | $20K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 40 | $20K |
| Stop-loss / reinsurancereinsurance | ALL SAVERS INSURANCE COMPANY | 33 | $111K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 40 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 40 | — |
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.