| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 | P.O. BOX 601146 CHARLOTTE, NC 28202 | AMERICAN UNITED LIFE INSURANCE COMPANY | $41K | — | $41K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS. SERVICES USA, INC. | P.O. BOX 23510 DALLAS, TX 75320 | HUMANADENTAL INSURANCE COMPANY | $16K | $2K | $18K | 11.05% |
| IBSI HOLDINGS INC3 Filed as: IBSI HOLDINGS, INC | P.O. BOX 24337 WINSTON-SALEM, NC 27114 | HUMANADENTAL INSURANCE COMPANY | $8K | — | $8K | 4.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS. SERVICES USA, INC. | P.O. BOX 203510 DALLAS, TX 75320 | VISION SERVICE PLAN | $2K | — | $2K | 4.13% |
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 | 522 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 522 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANADENTAL INSURANCE COMPANY | 384 | $166K |
| Vision | VISION SERVICE PLAN | 346 | $41K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 647 | $271K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 647 | $271K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 647 | $271K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 647 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 647 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.