| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PINNACLE BENEFIT RESOURCES, INC.3 Filed as: PINNACLE BENEFIT RESOURCES INC | 136 N STEELE ST SANFORD, NC 273303918 | METROPOLITAN LIFE INSURANCE COMPANY | $148K | $13K | $162K | 10.31% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 282905494 | METROPOLITAN LIFE INSURANCE COMPANY | $131K | $16K | $147K | 9.38% |
| PINNACLE BENEFIT RESOURCES, INC.3 Filed as: PINNACLE BENEFIT RESOURCES, INC | 130-C WICKER ST. SANFORD, NC 27330 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $25K | — | $25K | 18.96% |
| PINNACLE BENEFIT RESOURCE INC3 Filed as: PINNACLE BENEFIT RESOURCE INC. | 130 C WICKER ST. SANFORD, NC 27330 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $3K | $19K | 24.23% |
| PINNACLE BENEFIT RESOURCES, INC.3 Filed as: PINNACLE BENEFIT RESOURCES INC. | 130 C WICKER ST. SANFORD, NC 27330 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $3K | $16K | 20.95% |
| RICHARD A. THARRINGTON3 | 130 C WICKER STREET SANFORD, NC 27330 | COLUMBIAN MUTUAL LIFE INSURANCE COMPANY | $288 | $2K | $2K | 4.77% |
| J. HARRIS WINSTON III3 | 130 C WICKER STREET SANFORD, NC 27330 | COLUMBIAN MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.71% |
| WILLIAM R. KISER, JR.3 | 130 C WICKER STREET SANFORD, NC 27330 | COLUMBIAN MUTUAL LIFE INSURANCE COMPANY | $144 | $100 | $244 | 0.56% |
| JAMES W KISER3 | 130 C WICKER STREET SANFORD, NC 27330 | COLUMBIAN MUTUAL LIFE INSURANCE COMPANY | $144 | $100 | $244 | 0.56% |
| THOMAS H MCSWAIN3 | 130 C WICKER STREET SANFORD, NC 27330 | COLUMBIAN MUTUAL LIFE INSURANCE COMPANY | $6 | $4 | $10 | 0.02% |
| PINNACLE BENEFIT RESOURCES, INC.3 | 136 N STEELE ST SANFORD, NC 27330 | USABLE LIFE | $2K | — | $2K | 5.11% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $581 | — | $581 | 1.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BC BS OF NORTH CAROLINA EIN 56-0894904 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $629K |
| SUNLIFE FINANCIAL EIN 38-1082080 NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $373K |
| COBRA DIRECT LLC EIN 20-4641141 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $19K |
| STANLEY, HUNT, DUPREE & RHINE EIN 56-1074313 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $7K |
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 | 1,707 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,721 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 1,810 | $0 |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,443 | $1.6M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,358 | $130K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,443 | $1.6M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,443 | $1.6M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,443 | $1.6M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 1,810 | $0 |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,443 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,443 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.