| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CYPRESS BENEFIT SOLUTIONS3 | PO BOX 1209 DAVIDSON, NC 280361209 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $41K | $41K | 3.97% |
| CYPRESS BENEFIT SOLUTIONS3 | PO BOX 1209 DAVIDSON, NC 28036 | ONE AMERICA | $10K | $799 | $11K | 14.27% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 1125 SANCTUARY PKWY, SUITE 300 ALPHARETTA, GA 30009 | ONE AMERICA | $913 | $0 | $913 | 1.17% |
| ZACH BROCK, CYPRESS BENEFITS SOLUTI3 | PO BOX 1209 DAVIDSON, NC 28036 | DELTA DENTAL | $6K | $0 | $6K | 10.15% |
| CYPRESS BENEFIT SOLUTIONS3 Filed as: CYPRESS BENEFITS SOLUTIONS | PO BOX 1209 DAVIDSON, NC 28036 | COMMUNITY EYE CARE | $1K | $0 | $1K | 10.00% |
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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 148 | $1.0M |
| Dental | DELTA DENTAL | 149 | $58K |
| Vision | COMMUNITY EYE CARE | 159 | $11K |
| Life insurance | ONE AMERICA | 137 | $78K |
| Long-term disability | ONE AMERICA | 137 | $78K |
| Other | ONE AMERICA | 137 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.