| 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 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $18K | — | $18K | 1.71% |
| EMPLOYEE BENEFITS MARKETPLACE, LLC3 Filed as: EMPLOYEE BENEFITS MARKETPLACE LLC | PO BOX 126 PLEASANT GARDEN, NC 27313 | STARMONT LIFE INSURANCE COMPANY | $7K | — | $7K | 9.05% |
| EMPLOYEE BENEFITS MARKETPLACE, LLC3 Filed as: EMPLOYEE BENEFITS MARKETPLACE LLC | PO BOX 126 PLEASANT GARDEN, NC 27313 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.62% |
| EMPLOYEE BENEFITS MARKETPLACE, LLC3 Filed as: EMPLOYEE BENEFITS MARKETPLACE LLC | PO BOX 126 PLEASANT GARDEN, NC 27313 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 9.10% |
| EMPLOYEE BENEFITS MARKETPLACE, LLC3 Filed as: EMPLOYEE BENEFITS MARKETPLACE LLC | PO BOX 126 PLEASANT GARDEN, NC 27313 | COMMUNITY EYE CARE A VSP COMPANY | $1K | — | $1K | 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 | 135 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 119 | $1.0M |
| Dental | STARMONT LIFE INSURANCE COMPANY | 117 | $82K |
| Vision | COMMUNITY EYE CARE A VSP COMPANY | 178 | $11K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $79K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $79K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $79K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 119 | $1.0M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 58 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.