| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS MARKETPLACE, LLC3 Filed as: EMPLOYEE BENEFITS MARKETPLACE LLC | PO BOX 126 PLEASANT GARDEN, NC 27313 | UNITEDHEALTHCARE INSURANCE COMPANY | $39K | — | $39K | 5.17% |
| MARCY D SYKES3 Filed as: MARCY SYKES | PO BOX 126 PLEASANT GARDEN, NC 27313 | KANSAS CITY LIFE INSURANCE COMPANY | $7K | — | $7K | 8.58% |
| EMPLOYEE BENEFITS MARKETPLACE, LLC3 | PO BOX 126 PLEASANT GARDEN, NC 27313 | DELTA DENTAL OF NORTH CAROLINA | $7K | — | $7K | 9.12% |
| EMPLOYEE BENEFITS MARKETPLACE, LLC3 | PO BOX 126 PLEASANT GARDEN, NC 27313 | COMMUNITY EYE CARE | $996 | — | $996 | 10.00% |
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 | 110 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 201 | $764K |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 230 | $75K |
| Vision | COMMUNITY EYE CARE | 178 | $10K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 110 | $77K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 110 | $77K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 110 | $77K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 201 | $764K |
| Other | KANSAS CITY LIFE INSURANCE COMPANY | 110 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.