| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE PLANS AND INS CONSULTANTS3 | PO BOX 35402 GREENSBORO, NC 27425 | AETNA LIFE INSURANCE COMPANY | $18K | $0 | $18K | 10.53% |
| EMPLOYEE PLANS AND INS CONSULTANTS3 | PO BOX 35402 GREENSBORO, NC 27425 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $5K | $14K | $19K | 38.76% |
| EMPLOYEE PLANS AND INS CONSULTANTS3 | PO BOX 35402 GREENSBORO, NC 27425 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $6K | $1K | $7K | 20.42% |
| EMPLOYEE PLANS AND INS CONSULTANTS3 | PO BOX 35402 GREENSBORO, NC 27425 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| EMPLOYEE PLANS AND INS CONSULTANTS3 Filed as: EMPLOYEE PLANS INS CONSULTANTS | PO BOX 35402 GREENSBORO, NC 27425 | STANDARD INSURANCE COMPANY | $422 | $0 | $422 | 9.90% |
| EMPLOYEE PLANS AND INS CONSULTANTS3 Filed as: EMPLOYEE PLANS INS CONSULTANTS | PO BOX 35402 GREENSBORO, NC 27425 | STANDARD INSURANCE COMPANY | $474 | $0 | $474 | 16.41% |
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 | 737 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 737 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 737 | $170K |
| Vision | AETNA LIFE INSURANCE COMPANY | 712 | $28K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 216 | $38K |
| Short-term disability(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 218 | $53K |
| Other | STANDARD INSURANCE COMPANY | 201 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 737 | — |
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.