| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL HEALTH INSURANCE COMPANY3 | PO BOX 619999 DALLAS, TX 75261 | NATIONAL HEALTH INSURANCE COMPANY | — | $141K | $141K | 16.12% |
| NATIONAL GENERAL INSURANCE COMPANY3 | 1515 NORTH RIVERCENTER DR, STE 135 MILWAUKEE, WI 53212 | NATIONAL HEALTH INSURANCE COMPANY | — | $87K | $87K | 9.95% |
| JAMES R CARTER3 | 5031 MAPLES FERRY WAY EVANS, GA 308095705 | NATIONAL HEALTH INSURANCE COMPANY | $48K | — | $48K | 5.51% |
| BROKERS HOLDING GROUP3 | 250 BERRYHILL RD STE 100 COLUMBIA, SC 29210 | NATIONAL HEALTH INSURANCE COMPANY | $32K | — | $32K | 3.62% |
| KELLY E FOX3 | 3633 WHEELER RD STE 203 AUGUSTA, GA 309092350 | NATIONAL HEALTH INSURANCE COMPANY | $12K | — | $12K | 1.38% |
| JAMES R CARTER3 | 5031 MAPLES FERRY WAY EVANS, GA 308095705 | HUMANA | $11K | — | $11K | 14.90% |
| JAMES R CARTER3 | 5031 MAPLES FERRY WAY EVANS, GA 308095705 | HUMANA | $2K | — | $2K | 8.49% |
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 | 129 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONAL HEALTH INSURANCE COMPANY | 121 | $875K |
| Dental | HUMANA | 129 | $73K |
| Vision | HUMANA | 100 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.