| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TERESA H GOINS3 | 1101 N MAIN STREET STE 203 HIGH POINT, NC 27262 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $7K | — | $7K | 1.06% |
| HUNTER D HOUCK3 | 1411 COMMONWEALTH DRIVE SUITE 201 WILMINGTON, NC 28403 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $4K | — | $4K | 0.66% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $4K | — | $4K | 7.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | USABLE LIFE | $4K | — | $4K | 6.57% |
| MURPHY AND ASSOCIATES, LLC3 Filed as: MURPHY & ASSOCIATES INSURANCE LLC | 175 NORTHPOINT AVE STE 214 HIGH POINT, NC 27262 | USABLE LIFE | $3K | — | $3K | 4.82% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 Filed as: ALLEGACY BNFT SOLUTIONS LLC | PO BOX 25172 WINSTON SALEM, NC 27114 | ALLSTATE BENEFITS | $520 | — | $520 | 6.38% |
| BOBBY RAY MAINES JR. Filed as: BOBBY RAY MAINES JR | 970 VOX ROAD SPARTA, NC 28675 | ALLSTATE BENEFITS | $285 | — | $285 | 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 | 85 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 87 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 111 | $620K |
| Dental | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 111 | $620K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 111 | $620K |
| Life insurance | USABLE LIFE | 85 | $62K |
| Short-term disability | USABLE LIFE | 85 | $62K |
| Long-term disability | USABLE LIFE | 85 | $62K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 111 | $620K |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 111 | $690K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.