| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PIEDMONT BENEFITS GROUP, INC.3 Filed as: PIEDMONT BENEFITS GROUP INC | 18809 W. CATAWBA AVE STE 101 CORNELIUS, NC 28031 | HARTFORD LIFE AND ACCIDENT | $103K | — | $103K | 17.13% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | 4611 UNIVERSITY DR DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | — | $45K | $45K | 7.42% |
| PIEDMONT BENEFITS GROUP, INC.3 Filed as: PIEDMONT BENEFITS GROUP INC | 18809 W. CATAWBA AVE,STE 101 CORNELIUS, NC 28031 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | $9K | $49K | 12.87% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $468 | $19K | 5.02% |
| ACS BENEFIT SERVICES LLC3 | 470 W HANES MILL ROAD SUITE 100 WINSTON SALEM, NC 27105 | BRECKPOINT INSURANCE COMPANY LLC | $101K | — | $101K | — |
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 | 930 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 930 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BRECKPOINT INSURANCE COMPANY LLC | 552 | $0 |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 830 | $383K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 830 | $383K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 834 | $604K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 834 | $604K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 834 | $604K |
| Stop-loss / reinsurancereinsurance | BRECKPOINT INSURANCE COMPANY LLC | 552 | $0 |
| Other | HARTFORD LIFE AND ACCIDENT | 834 | $604K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 834 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.