| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE BENEFITS GROUP3 Filed as: CORPORATE BENEFITS SERVICES, INC. | PO BOX 11937 CHARLOTTE, NC 28220 | PRODIGY HEALTH INS SERVICE | — | $88K | $88K | 18.33% |
| CIGNA | — | PRODIGY HEALTH INS SERVICE | — | $46K | $46K | 9.58% |
| MCINTOSH EMPLOYEE BENEFITS ADVISORS3 Filed as: MCINTOSH EMPLOYEE BENEFIT ADVISORS | 1556-A UNION ROAD GASTONIA, NC 28054 | PRODIGY HEALTH INS SERVICE | $28K | — | $28K | 5.73% |
| GRAND GUILLORY Filed as: GRAND ROUNDS | — | PRODIGY HEALTH INS SERVICE | — | $15K | $15K | 3.12% |
| SCOTT BENEFIT SERVICES3 | 521 E MOREHEAD ST SUITE 300 CHARLOTTE, NC 28202 | PRODIGY HEALTH INS SERVICE | $3K | — | $3K | 0.52% |
| BELL BANK3 | 15 BROADWAY FARGO, ND 58102 | STANDARD INSURANCE COMPANY | $21K | — | $21K | 6.81% |
| BELL BANK3 | 15 BROADWAY FARGO, ND 58102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 9.02% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 3.00% |
| JAMES A SCOTT & SON INC | PO BOX 603438 CHARLOTTE, NC 282603438 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.98% |
| MCINTOSH EMPLOYEE BENEFITS ADVISORS3 | 1556-A UNION RD GASTONIA, NC 28054 | USABLE LIFE | $4K | — | $4K | 9.07% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | — | $2K | 5.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | USABLE LIFE | $374 | — | $374 | 0.93% |
| MCINTOSH EMPLOYEE BENEFITS ADVISORS3 | 1556-A UNION ROAD GASTONIA, NC 28054 | USABLE LIFE | $1K | — | $1K | 9.07% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $649 | — | $649 | 5.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | USABLE LIFE | $121 | — | $121 | 0.93% |
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 | 263 | 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) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 237 | $147K |
| Life insurance | USABLE LIFE | 347 | $13K |
| Short-term disability | USABLE LIFE | 347 | $40K |
| Long-term disability | STANDARD INSURANCE COMPANY | 341 | $314K |
| Stop-loss / reinsurancereinsurance | PRODIGY HEALTH INS SERVICE | 263 | $480K |
| Other | USABLE LIFE | 347 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.