| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 | 4634 GULFSTARR DR DESTIN, FL 325413715 | METROPOLITAN LIFE INSURANCE COMPANY | $414K | — | $414K | 13.52% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $124K | $20K | $145K | 4.73% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP DBA | PINNACLE BENEFIT RESOURCES 125 EDINBURGH SOUTH DR STE 300 CARY, NC 27511 | RELIASTAR LIFE INSURANCE COMPANY | $83K | — | $83K | 18.27% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET PO BOX 1116 HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY | $27K | — | $27K | 6.04% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | RELIASTAR LIFE INSURANCE COMPANY | $7K | — | $7K | 1.56% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. DBA | PINN 125 EDINBURGH SOUTH DRIVE SUITE 300 CARY, NC 27511 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $40K | — | $40K | 22.47% |
| RICHARD RAMEY3 Filed as: RICHARD THARRINGTON | PO BOX 5657 WINSTON-SALEM, NC 27113 | COLUMBIAN MUTUAL LIFE INSURANCE CO. | — | $253 | $253 | 1.50% |
| FOUNDATION RISK PARTNERS CORP3 | 780 W GRANADA BLVD ORMOND BEACH, FL 32174 | USABLE LIFE | $399 | — | $399 | 5.30% |
| MOSAIC GROUP SERVICES3 | ATTN TRICIA HAMLETT - UP6 PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $97 | — | $97 | 1.29% |
| PINNACLE BENEFIT RESOURCES, INC.3 | PO BOX 1698 PITTSBORO, NC 27312 | USABLE LIFE | $83 | — | $83 | 1.10% |
| FOUNDATION RISK PARTNERS CORP3 | 780 W GRANADA BLVD ORMOND BEACH, FL 32174 | USABLE LIFE | $222 | — | $222 | 5.34% |
| MOSAIC GROUP SERVICES3 | ATTN TRICIA HAMLETT - UP6 PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $69 | — | $69 | 1.66% |
| PINNACLE BENEFIT RESOURCES, INC.3 | PO BOX 1698 PITTSBORO, NC 27312 | USABLE LIFE | $51 | — | $51 | 1.23% |
| FOUNDATION RISK PARTNERS CORP3 | 780 W GRANADA BLVD ORMOND BEACH, FL 32174 | USABLE LIFE | $174 | — | $174 | 5.32% |
| MOSAIC GROUP SERVICES3 | ATTN TRICIA HAMLETT - UP6 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 | $34 | — | $34 | 1.04% |
| FOUNDATION RISK PARTNERS CORP3 | 780 W GRANADA BLVD ORMOND BEACH, FL 32174 | USABLE LIFE | $91 | — | $91 | 5.24% |
| MOSAIC GROUP SERVICES3 | ATTN TRICIA HAMLETT - UP6 PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $17 | — | $17 | 0.98% |
| PINNACLE BENEFIT RESOURCES, INC.3 | PO BOX 1698 PITTSBORO, NC 27312 | USABLE LIFE | $16 | — | $16 | 0.92% |
| FOUNDATION RISK PARTNERS CORP3 | 780 W GRANADA BLVD ORMOND BEACH, FL 32174 | USABLE LIFE | $77 | — | $77 | 5.21% |
| MOSAIC GROUP SERVICES3 | ATTN TRICIA HAMLETT - UP6 PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $15 | — | $15 | 1.02% |
| PINNACLE BENEFIT RESOURCES, INC.3 | PO BOX 1698 PITTSBORO, NC 27312 | USABLE LIFE | $14 | — | $14 | 0.95% |
| FOUNDATION RISK PARTNERS CORP3 | 780 W GRANADA BLVD ORMOND BEACH, FL 32174 | USABLE LIFE | $84 | — | $84 | 5.90% |
| MOSAIC GROUP SERVICES3 | ATTN TRICIA HAMLETT - UP6 PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $35 | — | $35 | 2.46% |
| PINNACLE BENEFIT RESOURCES, INC.3 | PO BOX 1698 PITTSBORO, NC 27312 | USABLE LIFE | $23 | — | $23 | 1.62% |
| FOUNDATION RISK PARTNERS CORP3 | 780 W GRANADA BLVD ORMOND BEACH, FL 32174 | USABLE LIFE | $72 | — | $72 | 5.26% |
| MOSAIC GROUP SERVICES3 | ATTN TRICIA HAMLETT - UP6 PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $14 | — | $14 | 1.02% |
| PINNACLE BENEFIT RESOURCES, INC.3 | PO BOX 1698 PITTSBORO, NC 27312 | USABLE LIFE | $13 | — | $13 | 0.95% |
| FOUNDATION RISK PARTNERS CORP3 | 780 W GRANADA BLVD ORMOND BEACH, FL 32174 | USABLE LIFE | $55 | — | $55 | 5.22% |
| MOSAIC GROUP SERVICES3 | ATTN TRICIA HAMLETT - UP6 PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $11 | — | $11 | 1.04% |
| PINNACLE BENEFIT RESOURCES, INC.3 | PO BOX 1698 PITTSBORO, NC 27312 | USABLE LIFE | $10 | — | $10 | 0.95% |
| FOUNDATION RISK PARTNERS CORP3 | 780 W GRANADA BLVD ORMOND BEACH, FL 32174 | USABLE LIFE | $42 | — | $42 | 6.14% |
| MOSAIC GROUP SERVICES3 | ATTN TRICIA HAMLETT - UP6 PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $21 | — | $21 | 3.07% |
| PINNACLE BENEFIT RESOURCES, INC.3 | PO BOX 1698 PITTSBORO, NC 27312 | USABLE LIFE | $13 | — | $13 | 1.90% |
| FOUNDATION RISK PARTNERS CORP3 | 780 W GRANADA BLVD ORMOND BEACH, FL 32174 | USABLE LIFE | $19 | — | $19 | 5.15% |
| MOSAIC GROUP SERVICES3 | ATTN TRICIA HAMLETT - UP6 PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $4 | — | $4 | 1.08% |
| PINNACLE BENEFIT RESOURCES, INC.3 | PO BOX 1698 PITTSBORO, NC 27312 | USABLE LIFE | $3 | — | $3 | 0.81% |
| FOUNDATION RISK PARTNERS CORP3 | 780 W GRANADA BLVD ORMOND BEACH, FL 32174 | USABLE LIFE | $19 | — | $19 | 5.15% |
| MOSAIC GROUP SERVICES3 | ATTN TRICIA HAMLETT - UP6 PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $4 | — | $4 | 1.08% |
| PINNACLE BENEFIT RESOURCES, INC.3 | PO BOX 1698 PITTSBORO, NC 27312 | USABLE LIFE | $3 | — | $3 | 0.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBS OF NORTH CAROLINA EIN 56-0894904 NONE | Insurance agents and brokers; Claims processing 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 | 3,766 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,783 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 3,337 | $2.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 5,104 | $3.1M |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 3,141 | $177K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,104 | $3.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,104 | $3.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,104 | $3.1M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 3,337 | $2.1M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 3,337 | $2.1M |
| Other(13 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,104 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,104 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.