| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORY S NEWTON3 | PO BOX 9375 GREENSBORO, NC 27429 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $39K | $3K | $42K | 6.76% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 274290395 | PRINCIPAL LIFE INSURANCE COMPANY | $19K | $0 | $19K | 12.66% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | PO BOX 2291 DURHAM, NC 277022291 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN, A MARSH & MCLENNAN AGCY | PO BOX 9375 GREENSBORO, NC 27429 | EYEMED | $747 | $0 | $747 | 8.30% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 161 | $625K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 185 | $148K |
| Vision | EYEMED | 143 | $9K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 185 | $148K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 185 | $148K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 185 | $148K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 161 | $625K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 185 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.