| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GW MOUNTAIN CASTLE AGENCY INC.3 | 307 WEST CENTER STREET LEXINGTON, NC 27292 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 14.02% |
| DIGITAL INSURANCE LLC3 | 899 CASSATT RD 400 BERWYN PARK /STE 200 BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $291 | $4K | 4.67% |
| MOUNTCASTLE INSURANCE3 Filed as: G.W, MOUNTCASTLE AGENCY INC. | 307 W CENTER ST LEXINGTON, NC 27292 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $290 | $5K | 11.62% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 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 | 131 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 56 | $46K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 56 | $46K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 131 | $84K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 131 | $84K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 131 | $84K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 67 | $263K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 131 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.