| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAROLINA CONSULTING SERVICES INC3 | 2 TERRACE WAY STE B GREENSBORO, NC 27403 | COVENTRY HEALTH CARE OF THE CAROLINAS | $10K | $7K | $17K | 3.27% |
| THE BREWER ASSOCIATES INC3 Filed as: BREWER & ASSOCIATES INS INC | 5206 W MARKET ST GREENSBORO, NC 27403 | DELTA DENTAL OF NORTH CAROLINA | $2K | — | $2K | 4.96% |
| JOYCE BESSINGER3 | PO BOX 200 PINE HALL, NC 27042 | DELTA DENTAL OF NORTH CAROLINA | $2K | — | $2K | 4.96% |
| CAROLINA CONSULTING SERVICES INC3 | 2 TERRACE WAY STE B GREENSBORO, NC 27403 | DELTA DENTAL OF NORTH CAROLINA | $2K | — | $2K | 3.96% |
| CAROLINA CONSULTING SERVICES INC3 | 2 TERRACE WAY STE B GREENSBORO, NC 274033663 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.10% |
| THE BREWER ASSOCIATES INC3 Filed as: BREWER & ASSOCIATES INS INC | 3719 W MARKET ST STE D GREENSBORO, NC 27403 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.95% |
| GROUP INSURANCE SPECIALISTS INC3 | 1420 VILLAGE DR WALNUT COVE, NC 27052 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.95% |
| CAROLINA CONSULTING SERVICES INC3 | 2-B TERRACE WAY GREENSBORO, NC 27403 | USABLE LIFE | $2K | — | $2K | 15.00% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | 4605 UNIVERSITY DRIVE DURHAM, NC 27707 | USABLE LIFE | $1K | — | $1K | 10.00% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 Filed as: ALLEGACY BNFT SOLUTIONS LLC | PO BOX 25172 WINSTON-SALEM, NC 271145172 | ALLSTATE BENEFITS | $5K | — | $5K | 33.57% |
| BOBBY RAY MAINES JR.3 Filed as: BOBBY RAY MAINES JR | 970 VOX ROAD SPARTA, NC 28675 | ALLSTATE BENEFITS | $3K | — | $3K | 21.51% |
No Schedule C service providers reported on this filing.
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 | 98 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COVENTRY HEALTH CARE OF THE CAROLINAS | 98 | $534K |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 95 | $47K |
| Life insurance | USABLE LIFE | 53 | $14K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 67 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 98 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.