| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 WEST BOY SCOUT BOULEVARD SUITE 200 TAMPA, FL 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $28K | $36K | 4.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4064 COLONY ROAD, SUITE 450 CHARLOTTE, NC 28211 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $9K | $13K | 1.54% |
| LAUREN GREENWOOD3 | 1026 PENNINGTON DRIVE LANCASTER, SC 29720 | AFLAC | $813 | $18 | $831 | 11.93% |
| MJ INSURANCE3 Filed as: HAROLD STAFFORD AND VARIOUS AGENTS | 10722 NORTHWEST 20TH DRIVE CORAL SPRINGS, FL 33071 | AFLAC | $76 | $0 | $76 | 1.09% |
| JONATHAN DUNN3 | 9112 ARBOR GLEN LANE CHARLOTTE, NC 28210 | AFLAC | $70 | $3 | $73 | 1.05% |
| ELIZABETH HARKEY3 | 501 NORTH CHURCH STREET, SUITE 300 CHARLOTTE, NC 28202 | AFLAC | $42 | $0 | $42 | 0.60% |
| RICHARD JONES3 | 12826 ENGLISH WALNUT LANE CHARLOTTE, NC 28215 | AFLAC | $34 | $0 | $34 | 0.49% |
| JAMIE JONES3 | 12826 ENGLISH WALNUT LANE CHARLOTTE, NC 28215 | AFLAC | $18 | $0 | $18 | 0.26% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE MORSE | 46 HOWELL STREET SOUTHEAST ATLANTA, GA 30312 | AFLAC | $15 | $0 | $15 | 0.22% |
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 | 199 | 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) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 374 | $872K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 374 | $872K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 374 | $872K |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 374 | $879K |
| Short-term disability | AFLAC | 7 | $7K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 374 | $872K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 374 | $879K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.