| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES D KENNEDY JR3 | 4020 WEST CHASE BLVD FLOOR 2 RALEIGH, NC 27607 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $126K | $2K | $127K | 3.15% |
| BANYAN CONSULTING GROUP INC3 | 333 N GREENE ST STE 101 GREENSBORO, NC 27401 | PRINCIPAL LIFE INSURANCE COMPANY | $21K | $5K | $26K | 6.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 333 N GREENE ST STE 101 GREENSBORO, NC 27401 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.38% |
| CHARLES D KENNEDY JR3 Filed as: CHARLES D KENNEDY, JR. | 4020 WESTCHASE BLVD FL 2 RALEIGH, NC 27607 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $2K | — | $2K | 8.18% |
| BANYAN CONSULTING GROUP INC3 | 4020 WESTCHASE BLVD FLOOR 2 RALEIGH, NC 27607 | USABLE LIFE | $2K | — | $2K | 10.01% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $762 | — | $762 | 5.01% |
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 | 233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 518 | $4.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 494 | $387K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 344 | $30K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 494 | $403K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 494 | $387K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 494 | $387K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 518 | $4.0M |
| Other | USABLE LIFE | 217 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 518 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.