| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN CARY, NC 27513 | BLUE CROSS BLUE SHEILD OF NORTH CAROLINA | $24K | $0 | $24K | 1.13% |
| TREVOR M. BEAVER3 | 8540 COLONNADE CENTER DRIVE RALEIGH, NC 27615 | BLUE CROSS BLUE SHEILD OF NORTH CAROLINA | $20K | $0 | $20K | 0.93% |
| STANLEY W PARK3 Filed as: STANLEY W. PARK | PO BOX 14946 GREENSBORO, NC 27415 | BLUE CROSS BLUE SHEILD OF NORTH CAROLINA | $14K | $0 | $14K | 0.66% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | 4611 UNIVERSITY DRIVE DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | $0 | $7K | $7K | 6.97% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF N. CAROLINA, LLC | 823 NORTH ELM STREET GREENSBORO, NC 27401 | HARTFORD LIFE AND ACCIDENT | $6K | $0 | $6K | 6.93% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 3.45% |
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 | 207 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHEILD OF NORTH CAROLINA | 357 | $2.1M |
| Dental | BLUE CROSS BLUE SHEILD OF NORTH CAROLINA | 357 | $2.1M |
| Vision | BLUE CROSS BLUE SHEILD OF NORTH CAROLINA | 357 | $2.1M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 281 | $93K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 281 | $93K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 281 | $93K |
| Prescription drug | BLUE CROSS BLUE SHEILD OF NORTH CAROLINA | 357 | $2.1M |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHEILD OF NORTH CAROLINA | 357 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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.