| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| E POWERED BENEFITS LLC3 | 106 LANGTREE VILLAGE DR SUITE 301 MOORSEVILLE, NC 28117 | STEALTH PARTNER GROUP | $105K | — | $105K | 32.06% |
| E POWERED BENEFITS LLC3 | 106 LANGTREE VILLAGE DR SUITE 301 MOORSEVILLE, NC 28117 | AMERICAN UNITED LIFE INSURANCE COMPANY | $39K | $2K | $41K | 16.99% |
| E POWERED BENEFITS LLC3 | 106 LANGTREE VILLAGE DR SUITE 301 MOORSEVILLE, NC 28117 | AMERITAS LIFE INSURANCE CORP. | $4K | $1K | $6K | 2.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STEALTH PARTNER GROUP EIN 27-0290866 STO LOSS | Other services; Insurance services; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Copying and duplicating; Other commissions; Claims processing Service code 12 | — | $319K |
| E POWERED BENEFITS EIN 83-1284983 BROKER | Claims processing; Contract Administrator; Direct payment from the plan; Other services; Insurance agents and brokers Service code 12 | 106 LAMGTREE VILLAGE DR SUITE 301 MOORESVILLE, NC 28117 | $105K |
| C.A.S. EIN 91-1991574 TPA | Claims processing; Direct payment from the plan; Other services; Contract Administrator; Other commissions Service code 12 | — | $65K |
| PAYER COMPASS EIN 46-2047081 REPORTING SERVICES | Recordkeeping and information management (computing, tabulating, data processing, etc.); Copying and duplicating; Direct payment from the plan; Other services; Participant loan processing; Claims processing Service code 12 | — | $44K |
| AIMM EIN 13-4254735 MANAGEMENT | Direct payment from the plan; Claims processing; Other services; Insurance services Service code 12 | — | $31K |
| DREXI EIN 46-4488538 HEALTH WELLNESS | Claims processing; Insurance services; Other services; Contract Administrator Service code 12 | — | $12K |
| MULTIPLAN EIN 13-3068979 PPO | Other services; Direct payment from the plan; Contract Administrator; Plan Administrator; Claims processing; Insurance services Service code 12 | — | $8K |
| AMERICAN HEALTH HO EIN 31-1326894 TELEMEDICINE | Insurance services; Direct payment from the plan; Other services Service code 23 | — | $0 |
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 | 356 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 250 | $224K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 250 | $224K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 356 | $243K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 356 | $243K |
| Stop-loss / reinsurancereinsurance | STEALTH PARTNER GROUP | 400 | $327K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 356 | $466K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.