| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PINNACLE BENEFIT RESOURCE INC3 | PO BOX 1698 PITTSBORO, NC 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $244K | — | $244K | 9.88% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731299 | METROPOLITAN LIFE INSURANCE COMPANY | $189K | $55 | $189K | 7.67% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $16K | $16K | 0.66% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 0.21% |
| PINNACLE BENEFIT RESOURCES, INC.3 | PO BOX 1698 PITTSBORO, NC 27312 | USABLE LIFE | $1K | — | $1K | 5.76% |
| MOSAIC GROUP SERVICES3 | ATTN TRICIA HAMLETT - UP6 PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $384 | — | $384 | 1.49% |
| PINNACLE BENEFIT RESOURCES, INC.3 Filed as: PINNACLE BENEFIT RESOURCES INC. | PO BOX 1698 PITTSBORO, NC 27312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 20.01% |
| PINNACLE BENEFIT RESOURCES, INC.3 Filed as: PINNACLE BENEFIT RESOURCES INC. | PO BOX 1698 PITTSBORO, NC 27312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $255 | — | $255 | 19.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBS OF NORTH CAROLINA EIN 56-0894904 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $843K |
| PINNACLE BENEFIT RESOURCES NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | 60 WEST STREET PITTSBORO, NC 27312 | $0 |
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 | 2,757 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,781 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 2,787 | $1.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,835 | $2.5M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,835 | $2.5M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,835 | $2.5M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,835 | $2.5M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,835 | $2.5M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 2,787 | $1.0M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 2,787 | $1.0M |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,835 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,835 | — |
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.