| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NC LLC | 64 LONG SHOALS ROAD SUITE 10 ASHEVILLE, NC 28704 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.33% |
| ECM BENEFITS LLC3 | 400 PARK ROAD CHARLOTTE, NC 28209 | AMERICAN UNITED LIFE INSURANCE COMPANY | $288 | $0 | $288 | 0.76% |
| AXA ASSISTANCE, USA3 Filed as: CHARLES ALLEN & ASSOC. C/O AXA ADV | 11325 NORTH COMMUNITY HOUSE RD CHARLOTTE, NC 28277 | EYEMED VISION CARE | $934 | $0 | $934 | 6.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORPORATE BENEFIT SERVICE EIN 56-1167792 ADMIN | Claims processing Service code 12 | — | $44K |
| CHARLES ALLEN & ASSOC. EIN 27-2838842 BROKER | Insurance agents and brokers Service code 22 | — | $34K |
| ECM BENEFITS, LLC EIN 20-0573038 BROKER | Insurance agents and brokers Service code 22 | — | $3K |
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 | 107 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 233 | $14K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 108 | $38K |
| Stop-loss / reinsurancereinsurance | TPAC | 91 | $350K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 108 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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."
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.