| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE PLANS AND INS CONSULTANTS3 Filed as: EMPLOYEE PLANS & INS CONSULTANTS | 3102 CAMPFIRE CT JAMESTOWN, NC 272828531 | METROPOLITAN LIFE INSURANCE COMPANY | $90K | $43K | $134K | 8.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $1.8M |
| AON HEWITT NONE | Other services Service code 49 | PO BOX 95135 CHICAGO, IL 60694 | $85K |
| EMPOWERED BENEFITS NONE | Other services Service code 49 | P.O. BOX 896053 CHARLOTTE, NC 28289 | $75K |
| ETHORITY LLC NONE | Other services Service code 49 | 4076 PAYSPHERE CIRCLE CHICAGO, IL 60674 | $41K |
| PAYFLEX SYSTEMS USA INC NONE | Other services Service code 49 | 10802 FARNAM DR, STE 100 OMAHA, NE 68154 | $39K |
| SI SOLUTIONS NONE | Other services Service code 49 | PO BOX 6437 FLORENCE, SC 29502 | $37K |
| WELLS FARGO EIN 94-1347393 NONE | Other services; Actuarial; Plan Administrator; Trustee (bank, trust company, or similar financial institution); Accounting (including auditing); Distribution (12b-1) fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 10 | 401 S. TRYON ST. CHARLOTTE, NC 28202 | $21K |
| DIXON HUGHES GOODMAN LLP NONE | Accounting (including auditing) Service code 10 | PO BOX 602828 CHARLOTTE, NC 28260 | $11K |
| EPIC NONE | Other services Service code 49 | P.O. BOX 35402 GREENSBORO, NC 27425 | $8K |
| BENEFIT CONCEPTS NONE | Contract Administrator Service code 13 | 20 RISHO AVENUE EAST PROVIDENCE, RI 02914 | $7K |
| TOWERS WATSON NONE | Actuarial Service code 11 | 28025 NETWORK PLACE CHICAGO, IL 60673 | $6K |
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 | 2,986 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 49 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 28 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,063 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 5,742 | $1.6M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 5,742 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,742 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.