| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ROBERT G DRAUGHAN JR | 1101 N. MAIN STREET STE 203 HIGH POINT, NC 27262 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $11K | — | $11K | 1.96% |
| CAROLINA CONSULTING SERVICES INC3 | 2 TERRACE WAY STE B GREENSBORO, NC 27403 | USABLE LIFE | $5K | — | $5K | 12.10% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $3K | — | $3K | 7.11% |
| CAROLINA CONSULTING SERVICES INC3 | 2 TERRACE WAY STE B GREENSBORO, NC 27403 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 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 | $2K | — | $2K | 4.95% |
| GROUP INSURANCE SPECIALISTS INC3 | 1420 VILLAGE DR WALNUT COVE, NC 27052 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.95% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 Filed as: ALLEGACY BNFT SOLUTIONS LLC | PO BOX 25172 WINSTON-SALEM, NC 271145172 | ALLSTATE BENEFITS | $959 | — | $959 | 6.40% |
| BOBBY RAY MAINES JR.3 Filed as: BOBBY RAY MAINES JR | 970 VOX ROAD SPARTA, NC 28675 | ALLSTATE BENEFITS | $528 | — | $528 | 3.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ROBERT G DRAUGHAN JR | 1101 N. MAIN STREET STE 203 HIGH POINT, NC 27262 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $452 | — | $452 | 10.06% |
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 | 96 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 125 | $556K |
| Dental | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 125 | $556K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 51 | $4K |
| Life insurance | USABLE LIFE | 96 | $39K |
| Short-term disability | USABLE LIFE | 96 | $39K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 63 | $31K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 125 | $556K |
| Other | ALLSTATE BENEFITS | 23 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.