| 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 | $8K | — | $8K | 2.03% |
| MURPHY AND ASSOCIATES, LLC3 Filed as: MURPHY & ASSOCIATES INSURANCE LLC | 175 NORTHPOINT AVE STE 214 HIGH POINT, NC 27262 | USABLE LIFE | $7K | — | $7K | 11.41% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $5K | — | $5K | 7.22% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 Filed as: ALLEGACY BNFT SOLUTIONS LLC | PO BOX 25172 WINSTON-SALEM, NC 271145172 | ALLSTATE BENEFITS | $659 | — | $659 | 6.35% |
| BOBBY RAY MAINES JR.3 Filed as: BOBBY RAY MAINES JR | 970 VOX ROAD SPARTA, NC 28675 | ALLSTATE BENEFITS | $363 | — | $363 | 3.50% |
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 | 88 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 91 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 120 | $384K |
| Dental | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 120 | $384K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 120 | $384K |
| Life insurance | USABLE LIFE | 84 | $64K |
| Short-term disability | USABLE LIFE | 84 | $64K |
| Long-term disability | USABLE LIFE | 84 | $64K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 120 | $384K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 84 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.