| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELTER AND ASSOCIATES, INC.3 Filed as: WELTER & ASSOCIATES INC. | 12161 SE ECHO VALLEY ST CLACKAMAS, OR 97015 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $79K | $79K | 5.27% |
| FULLHR INC3 Filed as: FULLHR INC. | 3901 ROSE LAKE DR FL 1 CHARLOTTE, NC 28217 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $130 | $130 | 0.01% |
| FULLHR INC3 Filed as: FULLHR | 3901 ROSE LAKE CHARLOTTE, NC 28217 | STARMOUNT LIFE INSURANCE COMPANY | $14K | — | $14K | 9.29% |
| FULLHR INC3 Filed as: FULLHR | 3901 ROSE LAKE DR CHARLOTTE, NC 28217 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 11.99% |
| FULLHR INC3 Filed as: FULLHR | 3901 ROSE LAKE DR CHARLOTTE, NC 28217 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 18.34% |
| FULLHR INC3 Filed as: FULLHR | 3901 ROSE LAKE DR CHARLOTTE, NC 28217 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 63.12% |
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 | 322 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 322 | $1.5M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 211 | $153K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 211 | $153K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 133 | $60K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $11K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 46 | $38K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 133 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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.