| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PINNACLE BENEFIT RESOURCE INC3 | PO BOX 1698 PITTSBORO, NC 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $265K | — | $265K | 9.93% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731299 | METROPOLITAN LIFE INSURANCE COMPANY | $205K | $95 | $205K | 7.70% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $20K | $20K | 0.75% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 0.21% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET PO BOX 1116 HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY | $46K | — | $46K | 14.73% |
| PINNACLE BENEFIT RESOURCES, INC.3 Filed as: PINNACLE BENEFIT RESOURCES, INC | PO BOX 1698 PITTSBORO, NC 273121698 | RELIASTAR LIFE INSURANCE COMPANY | $46K | — | $46K | 14.73% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIASTAR LIFE INSURANCE COMPANY | — | $3K | $3K | 1.00% |
| PINNACLE BENEFIT RESOURCES, INC.3 | PO BOX 1698 PITTSBORO, NC 27312 | USABLE LIFE | $405 | — | $405 | 5.12% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $102 | — | $102 | 1.29% |
| PINNACLE BENEFIT RESOURCES, INC.3 | PO BOX 1698 PITTSBORO, NC 27312 | USABLE LIFE | $259 | — | $259 | 5.76% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $84 | — | $84 | 1.87% |
| PINNACLE BENEFIT RESOURCES, INC.3 | PO BOX 1698 PITTSBORO, NC 27312 | USABLE LIFE | $146 | — | $146 | 4.46% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $40 | — | $40 | 1.22% |
| PINNACLE BENEFIT RESOURCES, INC.3 | PO BOX 1698 PITTSBORO, NC 27312 | USABLE LIFE | $64 | — | $64 | 3.99% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $16 | — | $16 | 1.00% |
| PINNACLE BENEFIT RESOURCES, INC.3 | PO BOX 1698 PITTSBORO, NC 27312 | USABLE LIFE | $74 | — | $74 | 4.62% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $21 | — | $21 | 1.31% |
| PINNACLE BENEFIT RESOURCES, INC.3 | PO BOX 1698 PITTSBORO, NC 27312 | USABLE LIFE | $91 | — | $91 | 6.93% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $33 | — | $33 | 2.51% |
| PINNACLE BENEFIT RESOURCES, INC.3 | PO BOX 1698 PITTSBORO, NC 27312 | USABLE LIFE | $51 | — | $51 | 4.04% |
| MOSAIC GROUP SERVICES3 | ATTN TRICIA HAMLETT - UP6 PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $13 | — | $13 | 1.03% |
| PINNACLE BENEFIT RESOURCES, INC.3 | PO BOX 1698 PITTSBORO, NC 27312 | USABLE LIFE | $39 | — | $39 | 4.01% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $10 | — | $10 | 1.03% |
| PINNACLE BENEFIT RESOURCES, INC.3 | PO BOX 1698 PITTSBORO, NC 27312 | USABLE LIFE | $51 | — | $51 | 8.07% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $19 | — | $19 | 3.01% |
| PINNACLE BENEFIT RESOURCES, INC.3 | PO BOX 1698 PITTSBORO, NC 27312 | USABLE LIFE | $14 | — | $14 | 4.11% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $3 | — | $3 | 0.88% |
| PINNACLE BENEFIT RESOURCES, INC.3 | PO BOX 1698 PITTSBORO, NC 27312 | USABLE LIFE | $14 | — | $14 | 4.11% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $3 | — | $3 | 0.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBS OF NORTH CAROLINA EIN 56-0894904 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $1.1M |
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 | 3,058 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,069 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 2,905 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 4,204 | $2.7M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 4,204 | $2.7M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,204 | $2.7M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,204 | $2.7M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,204 | $2.7M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 2,905 | $1.3M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 2,905 | $1.3M |
| Other(13 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,204 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,204 | — |
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.