| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACS BENEFIT SERVICES LLC3 Filed as: ACS BENEFIT SERVICES, LLC | 470 W. HANES MILL ROAD SUITE 100 WINSTON SALEM, NC 27105 | BRECKPOINT INSURANCE COMPANY LLC | $43K | $0 | $43K | 9.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 7391 HODGSON MEMORIAL DRIVE SUITE 100 SAVANNAH, GA 31406 | GUARDIAN INSURANCE | $20K | $14K | $35K | 12.89% |
| BENEFIT COMPANY, INC. (THE)3 | 3800 FERNANDINA ROAD SUITE 200 COLUMBIA, SC 29221 | GUARDIAN INSURANCE | $4K | $0 | $4K | 1.56% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | GUARDIAN INSURANCE | $4K | $0 | $4K | 1.37% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN INSURANCE | $2K | $0 | $2K | 0.75% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 N MILDRED AVE #3 CHICAGO, IL 60618 | GUARDIAN INSURANCE | $919 | $0 | $919 | 0.34% |
| ACS BENEFIT SERVICES LLC3 Filed as: ACS BENEFIT SERVICES, LLC | 470 W. HANES MILL ROAD SUITE 100 WINSTON SALEM, NC 27105 | TELADOC HEALTH, INC. | $629 | $0 | $629 | 31.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ACS BENEFIT SERVICES, LLC EIN 56-1472467 ADMIN. | Claims processing; Contract Administrator Service code 12 | 470 W. HANES MILL ROAD SUITE 100 WINSTON SALEM, NC 27105 | $49K |
| VOLTAIRE HEALTH, LLC DBA PAYER COM EIN 46-2047081 OTHER | Insurance services Service code 23 | 5800 GRANITE PARKWAY SUITE 450 PLANO, TX 75024 | $18K |
| AMERICAN HEALTH HOLDING, INC. EIN 31-1368946 OTHER | Insurance services Service code 23 | P.O. BOX 360142 PITTSBURGH, PA 152506142 | $4K |
| SOUTHERN SCRIPTS EIN 47-4999303 OTHER | Insurance services Service code 23 | 411 BIENVILLE STREET NATCHITOCHES, LA 71457 | $750 |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TELADOC HEALTH, INC. | 120 | $2K |
| Dental | GUARDIAN INSURANCE | 141 | $269K |
| Vision | GUARDIAN INSURANCE | 141 | $269K |
| Short-term disability | GUARDIAN INSURANCE | 141 | $269K |
| Stop-loss / reinsurancereinsurance | BRECKPOINT INSURANCE COMPANY LLC | 120 | $444K |
| Other(2 contracts, 2 carriers) | GUARDIAN INSURANCE | 141 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.