| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMICK, BAHNMULLER & ASSOCIATES, INC3 | P.O. BOX 88 LEXINGTON, SC 29071 | UNITEDHEATHCARE INSURANCE COMPANY | $161K | $0 | $161K | 3.99% |
| AMICK, BAHNMULLER & ASSOCIATES, INC3 | P.O. BOX 88 LEXINGTON, SC 29071 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $30K | $6K | $36K | 8.43% |
| IBSI HOLDINGS INC3 Filed as: IBSI HOLDINGS, INC. | P.O. BOX 24337 WINSTON-SALEM, NC 27114 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $795 | $9K | 2.17% |
| AMICK, BAHNMULLER & ASSOCIATES, INC3 | P.O. BOX 88 LEXINGTON, SC 29071 | PHYSICIANS EYECARE PLAN, LLC | $12K | $0 | $12K | 10.00% |
| AMICK, BAHNMULLER & ASSOCIATES, INC3 Filed as: AMICK, BAHMULLER & ASSOCIATES, INC. | P.O. BOX 88 LEXINGTON, SC 29071 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | $0 | $18K | 15.00% |
| IBSI HOLDINGS INC3 Filed as: IBSI HOLDINGS, LLC | P.O. BOX 24337 WINSTON-SALEM, SC 29071 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 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 | 296 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEATHCARE INSURANCE COMPANY | 310 | $4.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 380 | $432K |
| Vision | PHYSICIANS EYECARE PLAN, LLC | 388 | $121K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 290 | $120K |
| Prescription drug | UNITEDHEATHCARE INSURANCE COMPANY | 310 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.