| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 5S FINANCIAL GROUP LLC3 | 3013 RED GRAPE DR RALEIGH, NC 27607 | NATIONWIDE INSURANCE | $104K | $0 | $104K | 21.43% |
| ACCURISK SOLUTIONS, LLC3 Filed as: ACCURISK SOLUTIONS LLC | 10 SOUTH LASALLE ST CHICAGO, IL 60603 | NATIONWIDE INSURANCE | $0 | $61K | $61K | 12.59% |
| RESOLUTION REINSURANCE3 | 4408 FOREST DR SUITE 202 COLUMBIA, SC 29206 | NATIONWIDE INSURANCE | $0 | $11K | $11K | 2.29% |
| 5S FINANCIAL GROUP LLC3 | 3013 RED GRAPE DR RALEIGH, NC 27607 | HUMANA INSURANCE COMPANY | $17K | $0 | $17K | 10.60% |
| THE CASON GROUP INC3 | 1612 MARION ST COLUMBIA, SC 29201 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 1.24% |
| 5S FINANCIAL GROUP LLC3 | 3013 RED GRAPE DR RALEIGH, NC 27607 | SUN LIFE ASSURANCE COMPANY OF CANADA | $21K | $0 | $21K | 21.91% |
| THE CASON GROUP INC3 | 1612 MARION ST COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 6.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFITS MGMT SERVICES LLC EIN 81-0391256 COMMISSIONS AND AM | Contract Administrator Service code 13 | — | $154K |
| 5S FINANCIAL GROUP LLC EIN 47-1641484 BROKER FEES | Other fees Service code 99 | — | $73K |
| MY TELEMEDICINE INC EIN 47-3600495 TELEMEDICINE | Other fees Service code 99 | — | $8K |
| CIGNA HEALTH EIN 59-1031071 PPO FEE | Other fees Service code 99 | — | $6K |
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 | 284 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 284 | $159K |
| Vision | HUMANA INSURANCE COMPANY | 284 | $159K |
| Life insurance(3 contracts, 3 carriers) | NATIONWIDE INSURANCE | 284 | $740K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 101 | $95K |
| Other(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 284 | $254K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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.
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.