| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMERON M. HARRIS AND COMPANY3 Filed as: CAMERON HARRIS & CO | PO BOX 220948 CHARLOTTE, NC 28222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $0 | $9K | 10.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 220948 CHARLOTTE, NC 28222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.25% |
| PLAN DESIGN SERVICES INC.3 Filed as: PLAN DESIGN SERVICES, INC. | 7755 BALLANTYNE COMMONS, SUITE 101 CHARLOTTE, NC 28277 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10 | $0 | $10 | 0.02% |
| USI INSURANCE SERVICES LLC3 | PO BOX 626898 VIRGINIA BEACH, VA 23466 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $785 | $0 | $785 | 5.15% |
| CAMERON M. HARRIS AND COMPANY3 Filed as: CAMERON HARRIS & CO | PO BOX 220948 CHARLOTTE, NC 28222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $738 | $0 | $738 | 4.85% |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 228 | $105K |
| Vision(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 228 | $105K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 191 | $56K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 191 | $56K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 191 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.
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.