| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK MCINTOSH3 | PO BOX 1773 GASTONIA, NC 28053 | INDIGO/GERBER LIFE | $27K | $50K | $77K | 41.53% |
| MARK MCINTOSH Filed as: MARK E. MCINTOSH | PO BOX 1773 GASTONIA, NC 28053 | USABLE LIFE | $2K | — | $2K | 9.85% |
| MOSAIC GROUP SERVICES Filed as: MOSAIC GROUP | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | — | $2K | 6.32% |
| MOSAIC GROUP SERVICES Filed as: MOSAIC GROUP | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $772 | — | $772 | 3.18% |
| MARK MCINTOSH Filed as: MARK E. MCINTOSH | PO BOX 1773 GASTONIA, NC 28053 | USABLE LIFE | $496 | — | $496 | 2.04% |
| BW INSURANCE AGENCY | 520 MAIN AVE, STE 800 FARGO, ND 58103 | DEARBORN NATIONAL LIFE INSURANCE | $558 | — | $558 | 7.12% |
| BENEUSA LLC Filed as: BENEUSA, LLC | 1851 LAKE DR. W. STE 350 CHANHASSEN, MN 55317 | DEARBORN NATIONAL LIFE INSURANCE | $139 | — | $139 | 1.77% |
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 | 173 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE | 117 | $8K |
| Short-term disability | USABLE LIFE | 208 | $24K |
| Long-term disability | USABLE LIFE | 208 | $24K |
| Stop-loss / reinsurancereinsurance | INDIGO/GERBER LIFE | 173 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.