| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACS BENEFIT SERVICES LLC3 | 26-0529453 8025 NORTH POINT BLVD, STE. 100 WINSTON SALEM, NC 27106 | GERBER LIFE INSURANCE COMPANY | $14K | — | $14K | 10.00% |
| DENNIS INSURANCE3 Filed as: DENNIS INS GROUP | 901 BATTLEGROUND AVE SUITE A GREENSBORO, NC 27408 | USABLE LIFE | $13K | — | $13K | 16.62% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC - DBA SCOTT | 2095 LAKESIDE CENTRE WAY SUITE 110 KNOXVILLE, TN 37922 | USABLE LIFE | $4K | — | $4K | 5.63% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | PO BOX 2291 DURHAM, NC 27707 | USABLE LIFE | $4K | — | $4K | 4.84% |
| DENNIS INSURANCE3 Filed as: DENNIS INS & FNCL SVC INC | 901 BATTLEGROUND AVE STE A GREENSBORO, NC 27408 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 11.00% |
| JAMES A SCOTT & SON INC3 | 4700 FALLS OF NEUSE SUITE 320 RALEIGH, NC 27609 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 4.00% |
| ACS BENEFIT SERVICES LLC3 | 26-0529453 8025 NORTH POINT BLVD, SUITE 100 WINSTON SALEM, NE 27106 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA/AIG BENEFIT SO | $2K | — | $2K | 10.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ACS BENEFIT SERVICES, LLC EIN 26-0529453 NONE | Claims processing; Contract Administrator Service code 12 | 8025 NORTH POINT BLVD STE. 100 WINSTON-SALEM, NC 27106 | $38K |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 182 | $123K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 155 | $139K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 155 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.