| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PINNACLE BENEFIT RESOURCE INC3 | PO BOX 1698 PITTSBORO, NC 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $223K | — | $223K | 9.99% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731299 | METROPOLITAN LIFE INSURANCE COMPANY | $172K | $53 | $173K | 7.71% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $15K | $15K | 0.68% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 0.24% |
| PINNACLE BENEFIT RESOURCES, INC.3 Filed as: PINNACLE BENEFIT RESOURCES INC. | PO BOX 1698 PITTSBORO, NC 27312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | — | $25K | 19.98% |
| PINNACLE BENEFIT RESOURCES, INC.3 Filed as: PINNACLE BENEFIT RESOURCES INC. | PO BOX 1698 PITTSBORO, NC 27312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 19.99% |
| PINNACLE BENEFIT RESOURCES, INC.3 | PO BOX 1698 PITTSBORO, NC 27312 | USABLE LIFE | $1K | — | $1K | 4.43% |
| MOSAIC GROUP SERVICES3 | ATTN TRICIA HAMLETT - UP6 PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $367 | — | $367 | 1.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBS OF NORTH CAROLINA EIN 56-0894904 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $595K |
| PINNACLE BENEFIT RESOURCES NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | 60 WEST STREET PITTSBORO, NC 27312 | $76K |
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 | 2,709 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 156 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,865 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 2,545 | $803K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,449 | $2.2M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,449 | $2.2M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,449 | $2.3M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,449 | $2.2M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,449 | $2.2M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 2,545 | $803K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 2,545 | $803K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,449 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,449 | — |
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.