| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 751 CORPORATE CENTER DRIVE SUITE 12 RALEIGH, NC 27607 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 150 N RIVERSIDE PLZ SUITE 1700 CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.56% |
| MAIN STREET FINANCIAL GROUP3 Filed as: MAIN STREET INSURANCE GROUP | 22 N TRADE STREET TRYON, NC 28782 | PRINCIPAL LIFE INSURANCE COMPANY | $226 | $0 | $226 | 0.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BANYAN CONSULTING GROUP INC BROKER | Other commissions Service code 55 | 333 N GREENE STREET SUITE 101 GREENSBORO, NC 27401 | $10K |
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 N/A | Claims processing Service code 12 | — | $9K |
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 | 38 | 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) | 38 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 49 | $30K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 49 | $30K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 49 | $30K |
| Stop-loss / reinsurancereinsurance | ALL SAVERS INSURANCE COMPANY | 31 | $71K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 49 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 49 | — |
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."
No prospect flags tripped on this filing.