| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC GA | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 303395946 | HUMANA | $10K | $9K | $20K | 12.44% |
| IBSI HOLDINGS INC3 | PO BOX 24337 WINSTON SALEM, NC 271144337 | HUMANA | $6K | — | $6K | 3.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | HUMANA | $2K | — | $2K | 1.29% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC GA | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 303395946 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $4K | $13K | 21.76% |
| IBSI HOLDINGS INC3 | 1381 OLD MILL CIR STE 301 WINSTON SALEM, NC 27103 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 15153 TENCHOLOGY DRIVE SUITE B EDEN PRAIRIE, MN 55344 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 12.50% |
| IBSI HOLDINGS INC3 Filed as: IBSI HOLDINGS, INC. | PO BOX 24337 WINSTON-SALEM, NC 27114 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.33% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $82 | $82 | 0.14% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC GA | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 303395946 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 9.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.06% |
| IBSI HOLDINGS INC3 Filed as: IBSI HOLDINGS, INC. | 1381 OLD MILL CIR STE 301 WINSTON SALEM, NC 27103 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.31% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC GA | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 303395946 | HUMANA | $2K | $2K | $4K | 14.10% |
| IBSI HOLDINGS INC3 | PO BOX 24337 WINSTON SALEM, NC 27114 | HUMANA | $966 | — | $966 | 3.71% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | HUMANA | $426 | — | $426 | 1.64% |
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 | 250 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA | 195 | $160K |
| Vision | HUMANA | 182 | $26K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 250 | $57K |
| Short-term disability(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 250 | $160K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 250 | $57K |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 211 | $354K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 250 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.