| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES INC. | 9121 ANSON WAY STE 200 RALEIGH, NC 27615 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 8.50% |
| ANT FARM3 | 291 HERITAGE WALK WOODSTOCK, GA 30188 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $764 | $1K | $2K | 3.50% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES INC. | 9121 ANSON WAY STE 200 RALEIGH, NC 27615 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $260 | $4K | 10.75% |
| ANT FARM3 | 291 HERITAGE WALK WOODSTOCK, GA 30188 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 5.00% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES INC. | 9121 ANSON WAY STE 200 RALEIGH, NC 27615 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 21.25% |
| ANT FARM3 Filed as: ANT FARM LLC | ANT FARM LLC WOODSTOCK, GA 30188 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| ANT FARM3 | 291 HERITAGE WALK WOODSTOCK, GA 30188 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.75% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES INC. | 9121 ANSON WAY STE 200 RALEIGH, NC 27615 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.75% |
| ANT FARM3 | 291 HERITAGE WALK WOODSTOCK, GA 30188 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $408 | $908 | $1K | 7.25% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES, INC. | 9121 ANSON WAY SUITE 200 RALEIGH, NC 27615 | COMMUNITY EYE CARE | $2K | $0 | $2K | 12.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ACS BENEFIT SERVICES, LLC ADMINISTRATOR | Claims processing Service code 12 | 5660 UNIVERSITY PARKWAY 5TH FLOOR WINSTON SALEM, NC 27105 | $63K |
| JRW ASSOCIATES, INC EIN 20-4068651 BROKER | Insurance agents and brokers Service code 22 | — | $41K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | 201 E OREGON RD, STE 100 LITITZ, PA 17543 | $23K |
| CONNECTCARE3, LLC EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | 201 E OREGON RD, STE 100 LITITZ, PA 17543 | $8K |
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 | 174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 97 | $51K |
| Vision | COMMUNITY EYE CARE | 121 | $15K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 169 | $53K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 53 | $27K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 169 | $35K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | OPTUM HEALTH | 121 | $455K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 169 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.