| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE BENEFIT ADVISORS3 | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $15K | $15K | 0.44% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC. | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 0.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC. | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | USABLE LIFE | $16K | $138 | $17K | 11.23% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $9K | — | $9K | 6.14% |
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 | 214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 591 | $3.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 591 | $3.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 591 | $3.4M |
| Life insurance | USABLE LIFE | 222 | $147K |
| Long-term disability | USABLE LIFE | 222 | $147K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 591 | $3.4M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 591 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 591 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.