| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT SOLUTIONS INC5 Filed as: BENEFIT SOLUTIONS, INC. | PO BOX 385 TAYLORSVILLE, NC 28681 | BENEFIT SOLUTIONS, INC | — | $39K | $39K | 2.93% |
| BENEFIT SOLUTIONS INC4 Filed as: BENEFIT SOLUTIONS, INC. | PO BOX 385 TAYLORSVILLE, NC 28681 | BENEFIT SOLUTIONS, INC. | $8K | — | $8K | 10.00% |
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS, INC. | PO BOX 385 577 NC16 S TAYLORSVILLE, NC 28681 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 20.00% |
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS, INC. | PO BOX 385 577 NC 16 S TAYLORSVILLE, NC 28681 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS, INC. | PO BOX 385 577 NC16 S TAYLORSVILLE, NC 28681 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS, INC. | PO BOX 385 577 NC16 S TAYLORSVILLE, NC 28681 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| BENEFIT SOLUTIONS INC4 Filed as: BENEFIT SOLUTIONS, INC. | PO BOX 385 577 NC 16 S TAYLORSVILLE, NC 28681 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $69 | — | $69 | 10.06% |
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 | 365 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BENEFIT SOLUTIONS, INC | 253 | $1.3M |
| Dental | BENEFIT SOLUTIONS, INC. | 230 | $85K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 186 | $25K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 365 | $33K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 264 | $11K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 264 | $15K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 365 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.