| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRA EMPLOYER HEALTH LLC3 Filed as: INTEGRA EMPLOYER HEALTH | PO BOX 1178 MATTHEWS, NC 28106 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $3K | $9K | 7.81% |
| INTEGRA EMPLOYER HEALTH LLC3 Filed as: INTEGRA EMPLOYER HEALTH | PO BOX 1178 MATTHEWS, NC 28106 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $3K | $7K | 7.76% |
| INTEGRA EMPLOYER HEALTH LLC3 Filed as: INTEGRA EMPLOYER HEALTH | PO BOX 1178 MATTHEWS, NC 28106 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $2K | $13K | 17.86% |
| INTEGRA EMPLOYER HEALTH LLC3 Filed as: INTEGRA EMPLOYER HEALTH | PO BOX 1178 MATTHEWS, NC 28106 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $2K | $4K | 7.98% |
| INTEGRA EMPLOYER HEALTH LLC3 Filed as: INTEGRA EMPLOYER HEALTH | PO BOX 1178 MATTHEWS, NC 281061178 | VISION SERVICE PLAN | $2K | — | $2K | 3.47% |
| INTEGRA EMPLOYER HEALTH LLC3 Filed as: INTEGRA EMPLOYER HEALTH | PO BOX 1178 MATTHEWS, NC 28106 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $466 | $3K | 17.88% |
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 | 627 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 631 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 421 | $46K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 757 | $187K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 193 | $55K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 266 | $92K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 753 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 757 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.