| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFIT SOLUTIONS3 | 580 DAVIDSON GATEWAY DRIVE DAVIDSON, NC 280367009 | HUMANA | $16K | $0 | $16K | 6.76% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC GA | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 303395946 | HUMANA | $3K | $0 | $3K | 1.42% |
| GROUP BENEFIT SOLUTIONS3 | 58- DAVIDSON GATEWAY DRIVE DAVIDSON, NC 28036 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $12K | $0 | $12K | 10.00% |
| IBSI HOLDINGS INC3 Filed as: IBSI HOLDINGS INC. | PO BOX 24337 WINSTON-SALEM, NC 27114 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.00% |
| GROUP BENEFIT SOLUTIONS3 | 580 DAVIDSON GATEWAY DR DAVIDSON, NC 28036 | MONY LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 10.01% |
| IBSI HOLDINGS INC3 Filed as: IBSI HOLDINGS, INC. | PO BOX 24337 WINSTON-SALEM, NC 27114 | MONY LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 5.00% |
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 | 267 | 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) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA | 220 | $244K |
| Vision | HUMANA | 220 | $244K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 288 | $217K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 288 | $217K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 288 | $217K |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 258 | $241K |
| Other | AMERICAN GENERAL LIFE INSURANCE COMPANY | 288 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.