| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $146K | $27K | $172K | 9.82% |
| PINNACLE BENEFIT RESOURCES, INC.3 Filed as: PINNACLE BENEFIT RESOURCES INC | PO BOX 1698 PITTSBORO, NC 273121698 | METROPOLITAN LIFE INSURANCE COMPANY | $164K | $1K | $166K | 9.44% |
| PINNACLE BENEFIT RESOURCES, INC.3 Filed as: PINNACLE BENEFIT RESOURCES, INC | 130-C WICKER ST. SANFORD, NC 27330 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $27K | — | $27K | 18.80% |
| PINNACLE BENEFIT RESOURCE INC3 Filed as: PINNACLE BENEFIT RESOURCE INC. | PO BOX 1698 PITTSBORO, NC 27312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | — | $19K | 20.41% |
| PINNACLE BENEFIT RESOURCES, INC.3 Filed as: PINNACLE BENEFIT RESOURCES INC. | PO BOX 1698 PITTSBORO, NC 27312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | — | $18K | 24.29% |
| RICHARD A. THARRINGTON3 | 130 C WICKER STREET SANFORD, NC 27330 | COLUMBIAN MUTUAL LIFE INSURANCE COMPANY | $73 | $2K | $2K | 4.52% |
| J. HARRIS WINSTON III3 | 130 C WICKER STREET SANFORD, NC 27330 | COLUMBIAN MUTUAL LIFE INSURANCE COMPANY | $299 | — | $299 | 0.72% |
| WILLIAM R. KISER, JR.3 | 130 C WICKER STREET SANFORD, NC 27330 | COLUMBIAN MUTUAL LIFE INSURANCE COMPANY | $36 | $25 | $61 | 0.15% |
| JAMES W KISER3 | 130 C WICKER STREET SANFORD, NC 27330 | COLUMBIAN MUTUAL LIFE INSURANCE COMPANY | $36 | $25 | $61 | 0.15% |
| THOMAS H MCSWAIN3 | 130 C WICKER STREET SANFORD, NC 27330 | COLUMBIAN MUTUAL LIFE INSURANCE COMPANY | $2 | $1 | $3 | 0.01% |
| PINNACLE BENEFIT RESOURCES, INC.3 | PO BOX 1698 PITTSBORO, NC 27312 | USABLE LIFE | $2K | — | $2K | 4.95% |
| MOSAIC GROUP SERVICES3 | ATTN TRICIA HAMLETT - UP6 PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $544 | — | $544 | 1.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BC BS OF NORTH CAROLINA EIN 56-0894904 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $763K |
| SUNLIFE FINANCIAL EIN 38-1082080 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $389K |
| COBRA DIRECT LLC EIN 20-4641141 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $21K |
| STANLEY, HUNT, DUPREE & RHINE EIN 56-1074313 NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $8K |
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 | 2,031 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,047 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 2,046 | $0 |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,833 | $1.8M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,566 | $142K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,833 | $1.8M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,833 | $1.8M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,833 | $1.8M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 2,046 | $0 |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,833 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,833 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.