| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARDIN, DONALD R3 | 100 N TRYON ST STE 3400 CHARLOTTE, NC 28202 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $57K | — | $57K | 3.19% |
| MERCER HEALTH AND BENEFITS, LLC3 | 17901 VON KARMAN AVE IRVINE, CA 92614 | AMERITAS LIFE INSURANCE CORP. | $12K | — | $12K | 6.67% |
| MERCER HEALTH AND BENEFITS, LLC3 | 800 W MAIN ST STE 1250 BOISE, ID 83702 | AMERITAS LIFE INSURANCE CORP. | — | $3K | $3K | 1.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN A MARSH & MCLENNAN AGENCY | PO BOX 9375 GREENSBORO, NC 27429 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 1.06% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA TWO 250 PEHLE AVE SUITE 400 SADDLE BROOK, NJ 07663 | AMERITAS LIFE INSURANCE CORP. | — | $1K | $1K | 0.65% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIASTAR LIFE INSURANCE COMPANY | $16K | — | $16K | 10.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | DBA SENN DUNN INSURANCE PO BOX 9375 GREENSBORO, NC 274290375 | RELIASTAR LIFE INSURANCE COMPANY | $2K | — | $2K | 1.57% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | PO BOX 2291 DURHAM, NC 277022291 | RELIASTAR LIFE INSURANCE COMPANY | $237 | — | $237 | 0.16% |
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 | 313 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 500 | $1.8M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 572 | $176K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 572 | $176K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 302 | $153K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 302 | $153K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 302 | $153K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 500 | $1.8M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 302 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 572 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.