| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $20K | $20K | 7.62% |
| MCNEARY, INC.3 | 6525 MORRISON BOULEVARD, SUITE 301 PO BOX 220926 CHARLOTTE, NC 28222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 1.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $8K | $0 | $8K | 4.69% |
| SDM&R, INC DBA SENN DUNN INSURANCE3 Filed as: SDM AND R, INC. DBA SENN DUNN INS. | 3625 NORTH ELM STREET PO BOX 9375 GREENSBORO, NC 27455 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | -$32K | $0 | -$32K | -19.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | HUMANA INSURANCE COMPANY | $8K | $4K | $12K | 22.08% |
| IBSI HOLDINGS INC3 Filed as: IBSI HOLDINGS, INC. | PO BOX 24337 WINSTON SALEM, NC 27114 | HUMANA INSURANCE COMPANY | $3K | $0 | $3K | 5.03% |
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 | 297 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HUMANA INSURANCE COMPANY | 410 | $54K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 645 | $256K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 440 | $169K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 440 | $169K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 645 | $256K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 645 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.