| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE PLANS AND INS CONSULTANTS3 | 3102 CAMPFIRE CT JAMESTOWN, NC 272828531 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $2K | $21K | 5.28% |
| EMPLOYEE PLANS AND INS CONSULTANTS3 | PO BOX 35402 GREENSBORO, NC 27425 | AETNA LIFE INSURANCE COMPANY | $13K | — | $13K | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $2.1M |
| BUSINESS SOLVER NONE | Other services Service code 49 | 8520 CLIFF CAMERON DR SUITE 420 CHARLOTTE, NC 28269 | $200K |
| AON HEWITT NONE | Other services Service code 49 | PO BOX 95135 CHICAGO, IL 60694 | $100K |
| SI SOLUTIONS NONE | Other services Service code 49 | PO BOX 6437 FLORENCE, SC 29502 | $59K |
| PAYFLEX SYSTEMS USA INC NONE | Other services Service code 49 | 10802 FARNAM DR, STE 100 OMAHA, NE 68154 | $32K |
| DIXON HUGHES GOODMAN LLP NONE | Accounting (including auditing) Service code 10 | PO BOX 602828 CHARLOTTE, NC 28260 | $26K |
| EMPOWERED BENEFITS NONE | Other services Service code 49 | P.O. BOX 896053 CHARLOTTE, NC 28289 | $15K |
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 | 3,072 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 35 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 5,675 | $404K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,890 | $531K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,890 | — |
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.