| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: FIRST PERSON INC. | 9000 KEYSTONE CROSSING SUITE 910 INDIANAPOLIS, IN 46240 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $8K | $8K | 4.59% |
| WORKPLAN SOLUTIONS, INC.3 | 120-A GILLS CREEK PKWY COLUMBIA, SC 29209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 2.53% |
| CHARLES D. BLOCK3 Filed as: CHARLES D BLOCK | 648 VILLAGE PARK DR UNIT 208 WILMINGTON, NC 28405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $29 | $2K | 1.74% |
| JAMES H. VAN EPPS3 Filed as: JAMES VANEPPS | 10930 CRABAPPLE ROAD SUITE 206 ROSWELL, GA 30075 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $22 | $2K | 1.74% |
| ENROLLEASE3 Filed as: FIRST PERSON INC. | 9000 KEYSTONE CROSSING SUITE 910 INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $21 | $2K | 1.49% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INS | PO BOX 11107 FORT WAYNE, IN 46855 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 0.97% |
| BEAU DAVID BOUDREAUX3 | 120 GILLS CREEK PKWY COLUMBIA, SC 29209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $87 | $0 | $87 | 0.07% |
| ENROLLEASE3 Filed as: FIRST PERSON INC. | 9000 KEYSTONE CROSSING SUITE 910 INDIANAPOLIS, IN 46240 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.42% |
| WORKPLACE SOLUTIONS, INC.3 Filed as: WORKPLACE SOLUTIONS | 120-A GILLS CRK PKWY COLUMBIA, SC 29209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 4.70% |
| BEAU DAVID BOUDREAUX3 | 120 GILLS CRK PKWY COLUMBIA, SC 29209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 3.01% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | PO BOX 11107 FORT WAYNE, IN 46855 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $704 | — | $704 | 1.39% |
| CHARLES D. BLOCK3 Filed as: CHARLES D BLOCK | 648 VILLAGE PARK DR UNIT 208 WILMINGTON, NC 28405 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $89 | $8 | $97 | 0.19% |
| JAMES H. VAN EPPS3 Filed as: JAMES VANEPPS | 10930 CRABAPPLE ROAD STE 206 ROSWELL, GA 30075 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $89 | $6 | $95 | 0.19% |
| ENROLLEASE3 Filed as: FIRST PERSON INC. | 9000 KEYSTONE CROSSING SUITE 910 INDIANAPOLIS, IN 46240 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $76 | $5 | $81 | 0.16% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX S BLDG 2 STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $4 | $4 | 0.01% |
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 | 509 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 514 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 310 | $110K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 509 | $223K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 509 | $172K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 509 | $172K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 486 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 509 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.