| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JUSTICE-CREWS INSURANCE AGENCY INC.3 Filed as: JUSTICE-CREWS INSURANCE AGENCY | PO BOX 819 CHERRYVILLE, NC 28021 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $4K | $25K | 11.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX EIN 33-0441200 PBM | Other fees; Direct payment from the plan; Claims processing; Float revenue Service code 12 | — | $329K |
| UMR EIN 39-1995276 TPA | Claims processing Service code 12 | — | $68K |
| EBENCONCEPTS COMPANY EIN 75-2966596 CONSULTANT | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $38K |
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 | 367 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 367 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 367 | $219K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 367 | $219K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 367 | $219K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 267 | $266K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 367 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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.