| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT ADVISORS OF THE CA3 Filed as: EMPLOYEE BENEFIT ADVISORS - CA | 5955 CARNEGIA BLVD STE 150 CHARLOTTE, NC 28209 | GUARDIAN | $10K | — | $10K | 10.00% |
| EB ADVISORS OF CHARLOTTE3 | 5955 CARNEGIE BLVD, SUITE 150 CHARLOTTE, NC 20209 | DEARBORN NATIONAL | $10K | $10K | $20K | 20.00% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BERKLEY | 414 | $148K |
| Dental | GUARDIAN | 331 | $102K |
| Life insurance | DEARBORN NATIONAL | 191 | $100K |
| Short-term disability | DEARBORN NATIONAL | 191 | $100K |
| Long-term disability | DEARBORN NATIONAL | 191 | $100K |
| Stop-loss / reinsurancereinsurance | BERKLEY | 414 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.