| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BELL BANK3 | 15 BROADWAY FARGO, ND 58102 | STANDARD INSURANCE COMPANY | $17K | — | $17K | 6.00% |
| BELL BANK3 | 15 BROADWAY FARGO, ND 58102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | — | $18K | 10.00% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 3.00% |
| MARK MCINTOSH3 Filed as: MARK E. MCINTOSH | 1556-A UNION RD GASTONIA, NC 28054 | USABLE LIFE | $4K | — | $4K | 9.11% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | — | $2K | 5.00% |
| MCINTOSH EMPLOYEE BENEFITS ADVISORS3 | 1556-A UNION RD GASTONIA, NC 28054 | USABLE LIFE | $371 | — | $371 | 0.88% |
| MARK MCINTOSH3 Filed as: MARK E. MCINTOSH | 1556-A UNION RD GASTONIA, NC 28054 | USABLE LIFE | $1K | — | $1K | 9.14% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $674 | — | $674 | 5.01% |
| MCINTOSH EMPLOYEE BENEFITS ADVISORS3 | 1556-A UNION ROAD GASTONIA, NC 28054 | USABLE LIFE | $119 | — | $119 | 0.88% |
| CORPORATE BENEFITS GROUP3 Filed as: CORPORATE BENEFITS SERVICES, INC. | PO BOX 11937 CHARLOTTE, NC 28220 | GERBER LIFE INSURANCE COMPANY | — | $87K | $87K | — |
| CIGNA | — | GERBER LIFE INSURANCE COMPANY | — | $43K | $43K | — |
| MCINTOSH EMPLOYEE BENEFITS ADVISORS3 Filed as: MCINTOSH EMPLOYEE BENEFIT ADVISORS | 1556-A UNION ROAD GASTONIA, NC 28054 | GERBER LIFE INSURANCE COMPANY | $30K | — | $30K | — |
| GRAND GUILLORY Filed as: GRAND ROUNDS | — | GERBER LIFE INSURANCE COMPANY | — | $14K | $14K | — |
| TELEDOC Filed as: TELEDOC SERVICES | — | GERBER LIFE INSURANCE COMPANY | — | -$3 | -$3 | — |
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 | 271 | 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) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 226 | $178K |
| Life insurance | USABLE LIFE | 276 | $13K |
| Short-term disability | USABLE LIFE | 276 | $42K |
| Long-term disability | STANDARD INSURANCE COMPANY | 338 | $289K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 271 | $0 |
| Other | USABLE LIFE | 276 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.