| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHGRAM INC3 | 9731 RED OAK BOULEVARD CHARLOTTE, NC 28217 | HCC LIFE INSURANCE COMPANY | $0 | $20K | $20K | 2.76% |
| ENCORE ADVISORS3 | 5300 TRIANGLE PARKWAY SUITE 201 PEACHTREE CORNERS, GA 30092 | STARMOUNT LIFE INSURANCE COMPANY | $28K | $3K | $31K | 10.37% |
| ENCORE ADVISORS3 Filed as: ENCORE ADVISORS LLC | 5300 TRIANGLE PARKWAY SUITE 201 PEACHTREE CORNERS, GA 30092 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | $2K | $31K | 15.07% |
| ENCORE ADVISORS3 | 5300 TRIANGLE PARKWAY SUITE 201 PEACHTREE CORNERS, GA 30092 | STARMOUNT LIFE INSURANCE COMPANY | $6K | $668 | $7K | 12.34% |
| ENCORE ADVISORS3 | 5300 TRIANGLE PARKWAY SUITE 201 PEACHTREE CORNERS, GA 30092 | UNUM INSURANCE COMPANY | $10K | $853 | $11K | 20.09% |
| ENCORE ADVISORS3 | 5300 TRIANGLE PARKWAY SUITE 201 PEACHTREE CORNERS, GA 30092 | UNUM INSURANCE COMPANY | $7K | $613 | $8K | 20.13% |
| ENCORE ADVISORS3 | 5300 TRIANGLE PARKWAY SUITE 201 PEACHTREE CORNERS, GA 30092 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $185 | $2K | 15.19% |
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 | 531 | 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) | 531 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 401 | $300K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 327 | $57K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 531 | $16K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 531 | $203K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 531 | $203K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 358 | $735K |
| Other(3 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 531 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 531 | — |
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.