| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIEL H MURPHY3 Filed as: DANIEL L MURPHY | 1101 N. MAIN STREET STE 203 HIGH POINT, NC 27262 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $11K | — | $11K | 1.95% |
| CAROLINA CONSULTING SERVICES INC3 | 2 TERRACE WAY STE B GREENSBORO, NC 27403 | 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% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 Filed as: ALLEGACY BNFT SOLUTIONS LLC | PO BOX 25172 WINSTON-SALEM, NC 271145172 | ALLSTATE BENEFITS | $1K | — | $1K | 6.41% |
| BOBBY RAY MAINES JR.3 Filed as: BOBBY RAY MAINES JR | 970 VOX ROAD SPARTA, NC 28675 | ALLSTATE BENEFITS | $553 | — | $553 | 3.51% |
| DANIEL H MURPHY3 Filed as: DANIEL L MURPHY | 1101 N. MAIN STREET STE 203 HIGH POINT, NC 27262 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $437 | — | $437 | 9.84% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $3K | — | $3K | — |
| MURPHY AND ASSOCIATES, LLC3 Filed as: MURPHY & ASSOCIATES INSURANCE LLC | 175 NORTHPOINT AVE STE 214 HIGH POINT, NC 27262 | USABLE LIFE | $2K | — | $2K | — |
| CAROLINA CONSULTING SERVICES INC3 | 2 TERRACE WAY STE B GREENSBORO, NC 27403 | USABLE LIFE | $2K | — | $2K | — |
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 | 91 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 92 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 105 | $553K |
| Dental | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 105 | $553K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 46 | $4K |
| Life insurance | USABLE LIFE | 81 | $0 |
| Short-term disability | USABLE LIFE | 81 | $0 |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $24K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 105 | $553K |
| Other | ALLSTATE BENEFITS | 21 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.