| 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 | — | $6K | 4.71% |
| INTEGRA EMPLOYER HEALTH LLC3 Filed as: INTEGRA EMPLOYER HEALTH | PO BOX 1178 MATTHEWS, NC 28106 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 4.64% |
| INTEGRA EMPLOYER HEALTH LLC3 Filed as: INTEGRA EMPLOYER HEALTH | PO BOX 1178 MATTHEWS, NC 28106 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 13.78% |
| INTEGRA EMPLOYER HEALTH LLC3 Filed as: INTEGRA EMPLOYER HEALTH | PO BOX 211291 SAINT PAUL, MN 55121 | VISION SERVICE PLAN | $2K | — | $2K | 3.33% |
| INTEGRA EMPLOYER HEALTH LLC3 Filed as: INTEGRA EMPLOYER HEALTH | PO BOX 1178 MATTHEWS, NC 28106 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 4.67% |
| INTEGRA EMPLOYER HEALTH LLC3 | PO BOX 21112 EAGAN, MN 55121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 11.24% |
| INTEGRA EMPLOYER HEALTH LLC3 Filed as: INTEGRA EMPLOYER HEALTH | PO BOX 1178 MATTHEWS, NC 28106 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 13.99% |
| INTEGRA EMPLOYER HEALTH LLC3 | PO BOX 21112 EAGAN, MN 55121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 11.88% |
| INTEGRA EMPLOYER HEALTH LLC3 | PO BOX 21112 EAGAN, MN 55121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 14.63% |
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 | 462 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 466 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 303 | $47K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 573 | $209K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 114 | $45K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 189 | $97K |
| Other(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 669 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 669 | — |
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.