| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELTER AND ASSOCIATES, INC.3 Filed as: WELTER & ASSOCIATES INC. | 1524 SE 58TH AVE PORTLAND, OR 97215 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $28K | $28K | 2.34% |
| FULLHR INC3 Filed as: FULLHR INC. | 3901 ROSE LAKE DR FL 1 CHARLOTTE, NC 28217 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $6K | $6K | 0.52% |
| WELTER AND ASSOCIATES, INC.3 Filed as: WELTER AND ASSOCIATES INC | 1524 SE 58TH AVE PORTLAND, OR 972153413 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.79% |
| JOHN G TAYLOR3 | FULLHR INC. 3901 ROSE LAKE DR FL 1 CHARLOTTE, NC 28217 | STANDARD INSURANCE COMPANY | $488 | — | $488 | 0.38% |
| WELTER AND ASSOCIATES, INC.3 | 1524 SE 58TH AVE PORTLAND, OR 972153413 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 8.23% |
| JOHN G TAYLOR3 | FULLHR INC. 3901 ROSE LAKE DR FL 1 CHARLOTTE, NC 28217 | STANDARD INSURANCE COMPANY | $819 | — | $819 | 2.68% |
| WELTER AND ASSOCIATES, INC.3 | 1524 SE 58THAVE PORTLAND, OR 972153413 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.22% |
| JOHN G TAYLOR3 | FULLHR INC. 3901 ROSE LAKE DR FL 1 CHARLOTTE, NC 28217 | STANDARD INSURANCE COMPANY | $395 | — | $395 | 1.47% |
| WELTER AND ASSOCIATES, INC.3 Filed as: WELTER AND ASSOCIATES INC. | 1524 SE 58TH AVE PORTLAND, OR 972153413 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 6.90% |
| JOHN G TAYLOR3 | FULLHR INC. 3901 ROSE LAKE DR FL 1 CHARLOTTE, NC 28217 | STANDARD INSURANCE COMPANY | $376 | — | $376 | 2.49% |
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 | 345 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 345 | $1.2M |
| Dental | STANDARD INSURANCE COMPANY | 214 | $129K |
| Life insurance | STANDARD INSURANCE COMPANY | 130 | $15K |
| Short-term disability | STANDARD INSURANCE COMPANY | 129 | $27K |
| Long-term disability | STANDARD INSURANCE COMPANY | 33 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.