| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRA EMPLOYER HEALTH LLC5 | 2425 CROWNPOINT EXECUTIVE DRIVE CHARLOTTE, NC 28227 | COMPANION LIFE INSURANCE COMPANY | $35K | — | $35K | 11.56% |
| INTEGRA BENEFIT ADVISORS3 | 500 WEST MADISON ST CHICAGO, IL 60661 | COMPANION LIFE INSURANCE COMPANY | $6K | — | $6K | 1.94% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CAPITAL, INC. | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 0.99% |
| CONTEXT BENEFIT ADVISORS, LLC3 Filed as: CONTEXT BENEFIT ADVISORS LLC | 2425 CROWNPOINT EXECUTIVE DR CHARLOTTE, NC 28227 | DELTA DENTAL | $9K | — | $9K | 7.26% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE HUNT VALLEY, MD 21030 | DELTA DENTAL | $8K | — | $8K | 6.20% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | DELTA DENTAL | $2K | — | $2K | 1.33% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | USABLE LIFE | $8K | — | $8K | 8.52% |
| CONTEXT BENEFIT ADVISORS, LLC3 Filed as: CONTEXT BENEFIT ADVISORS LLC | PO BOX 1178 MATTHEWS, NC 28106 | USABLE LIFE | $8K | — | $8K | 8.12% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $7K | — | $7K | 7.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | COMMUNITY EYE CARE | $628 | — | $628 | 6.43% |
| INTEGRA EMPLOYER HEALTH LLC3 | PO BOX 1178 MATTHEWS, NC 28106 | COMMUNITY EYE CARE | $348 | — | $348 | 3.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTEGRA EMPLOYER HEALTH LLC EIN 56-1392505 CONTRACT ADMIN | Claims processing; Contract Administrator Service code 12 | — | $37K |
| CIGNA EIN 59-1031071 PPO PROVIDER | Contract Administrator; Claims processing Service code 12 | — | $24K |
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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE COMPANY | 139 | $302K |
| Dental | DELTA DENTAL | 268 | $122K |
| Vision | COMMUNITY EYE CARE | 391 | $10K |
| Life insurance | USABLE LIFE | 139 | $97K |
| Short-term disability | USABLE LIFE | 139 | $97K |
| Long-term disability | USABLE LIFE | 139 | $97K |
| Other | USABLE LIFE | 139 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 391 | — |
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.