| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE BENEFITS GROUP3 Filed as: CORPORATE BENEFITS SERVICES, INC. | PO BOX 11937 CHARLOTTE, NC 28220 | INDIGO/GERBER LIFE | — | $74K | $74K | 17.05% |
| CIGNA | — | INDIGO/GERBER LIFE | — | $45K | $45K | 10.39% |
| MARK MCINTOSH3 | PO BOX 1773 GASTONIA, NC 28053 | INDIGO/GERBER LIFE | $30K | — | $30K | 6.89% |
| TELEDOC Filed as: TELEDOC SERVICES | — | INDIGO/GERBER LIFE | — | $7K | $7K | 1.64% |
| BELL BANK3 Filed as: BELL BANK ATTN DAVE DOLE | 15 BROADWAY MAIN FLOOR FARGO, ND 58102 | STANDARD INSURANCE COMPANY | $16K | — | $16K | 6.00% |
| BELL BANK3 | 15 BROADWAY FARGO, ND 58102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 10.00% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 3.00% |
| MARK MCINTOSH3 Filed as: MARK E. MCINTOSH | 1556-A UNION RD GASTONIA, NC 28054 | USABLE LIFE | $4K | — | $4K | 10.00% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | — | $2K | 5.00% |
| MARK MCINTOSH3 Filed as: MARK E. MCINTOSH | 1556-A UNION RD GASTONIA, NC 28054 | USABLE LIFE | $1K | — | $1K | 10.00% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $677 | — | $677 | 5.00% |
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 | 232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 186 | $136K |
| Life insurance | USABLE LIFE | 237 | $14K |
| Short-term disability | USABLE LIFE | 237 | $42K |
| Long-term disability | STANDARD INSURANCE COMPANY | 316 | $263K |
| Stop-loss / reinsurancereinsurance | INDIGO/GERBER LIFE | 232 | $436K |
| Other | USABLE LIFE | 237 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.