| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHGRAM INC3 | 8731 RED OAK BLVD CHARLOTTE, NC 28217 | HM LIFE INSURANCE COMPANY | $33K | — | $33K | 5.00% |
| APRIL RICH3 | 5180 OLD GREENSBORO ROAD THOMASVILLE, NC 27360 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 11.25% |
| MICHAEL N THORN3 | 3 MAINSAIL COURT GREENSBORO, NC 27455 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 4.88% |
| MICHAEL N THORN | 3 MAINSAIL COURT GREENSBORO, NC 27455 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 8.00% |
| HEALTHGRAM INC3 | PO BOX 11088 CHARLOTTE, NC 28220 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MICHAEL N THORN | 3 MAINSAIL COURT GREENSBORO, NC 27455 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | — |
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 | 264 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 367 | $95K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 367 | $46K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 15 | $0 |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 264 | $661K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 86 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.