| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT RESOURCES | 2839 PACES FERRY RD. SE SUITE 830 ATLANTA, GA 30339 | GRANULAR INSURANCE COMPANY | $36K | $0 | $36K | 7.00% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $9K | $0 | $9K | 10.26% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES, INC. | ATTN LORYN SHEALY 215 HOGAN WAY LEXINGTON, SC 29072 | STANDARD INSURANCE COMPANY | $0 | $4K | $4K | 4.24% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES, INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | STANDARD INSURANCE COMPANY | $0 | $1K | $1K | 1.50% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES, INC. | ATTN LORYN SHEALY 215 HOGAN WAY LEXINGTON, SC 29072 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 4.00% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES, INC. | ATTN LORYN SHEALY 215 HOGAN WAY LEXINGTON, SC 29072 | STANDARD INSURANCE COMPANY | $0 | $1K | $1K | 4.00% |
| ECM BENEFITS LLC3 Filed as: ECM BENEFITS, LLC | 4000 PARK RD CHARLOTTE, NC 28209 | COMMUNITY EYE CARE | $1K | $0 | $1K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLNET HEALTHCARE ADMINISTRATORS, ADMIN | Claims processing Service code 12 | 900 NORTHBROOKER DR STE 300 TREVOSE, PA 19053 | $0 |
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 | 249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 141 | $85K |
| Vision | COMMUNITY EYE CARE | 242 | $15K |
| Life insurance | STANDARD INSURANCE COMPANY | 249 | $90K |
| Short-term disability | STANDARD INSURANCE COMPANY | 249 | $40K |
| Long-term disability | STANDARD INSURANCE COMPANY | 140 | $30K |
| Stop-loss / reinsurancereinsurance | GRANULAR INSURANCE COMPANY | 160 | $512K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.