| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $157K | $31K | $188K | 9.99% |
| PINNACLE BENEFIT RESOURCES, INC.3 Filed as: PINNACLE BENEFIT RESOURCES INC | PO BOX 1698 PITTSBORO, NC 273121698 | METROPOLITAN LIFE INSURANCE COMPANY | $177K | — | $177K | 9.41% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $30K | — | $30K | 18.91% |
| PINNACLE BENEFIT RESOURCE INC3 Filed as: PINNACLE BENEFIT RESOURCE INC. | PO BOX 1698 PITTSBORO, NC 27312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | — | $20K | 19.55% |
| PINNACLE BENEFIT RESOURCES, INC.3 Filed as: PINNACLE BENEFIT RESOURCES INC. | PO BOX 1698 PITTSBORO, NC 27312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 19.34% |
| RICHARD A. THARRINGTON3 | 130 C WICKER STREET SANFORD, NC 27330 | COLUMBIAN MUTUAL LIFE INSURANCE COMPANY | $38 | $2K | $2K | 4.36% |
| J. HARRIS WINSTON III3 | 130 C WICKER STREET SANFORD, NC 27330 | COLUMBIAN MUTUAL LIFE INSURANCE COMPANY | $155 | — | $155 | 0.40% |
| WILLIAM R. KISER, JR.3 | 130 C WICKER STREET SANFORD, NC 27330 | COLUMBIAN MUTUAL LIFE INSURANCE COMPANY | $19 | $12 | $31 | 0.08% |
| JAMES W KISER3 | 130 C WICKER STREET SANFORD, NC 27330 | COLUMBIAN MUTUAL LIFE INSURANCE COMPANY | $19 | $12 | $31 | 0.08% |
| THOMAS H MCSWAIN3 | 130 C WICKER STREET SANFORD, NC 27330 | COLUMBIAN MUTUAL LIFE INSURANCE COMPANY | $1 | $1 | $2 | 0.01% |
| PINNACLE BENEFIT RESOURCES, INC.3 | PO BOX 1698 PITTSBORO, NC 27312 | USABLE LIFE | $2K | — | $2K | 4.93% |
| MOSAIC GROUP SERVICES3 | ATTN TRICIA HAMLETT - UP6 PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $519 | — | $519 | 1.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBS OF NORTH CAROLINA EIN 56-0894904 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $943K |
| PRIME PAY EIN 42-1615971 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $20K |
| 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 | 2,158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 2,044 | $0 |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,936 | $1.9M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,680 | $158K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,936 | $1.9M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,936 | $1.9M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,936 | $1.9M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 2,044 | $0 |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,936 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,936 | — |
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.