| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHELLEY L MCLEAN3 Filed as: SHELLEY MCLEAN | 6525 MORRISON BLVD., STE 215 CHARLOTTE, NC 28211 | BLUE CROSS AND BLUE SHIELD OF NC | $5K | — | $5K | 0.45% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 8.34% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | 4611 UNIVERSITY DR DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | — | $7K | $7K | 7.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | PO BOX 952587 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 1.66% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, LLC | 1612 MARION STREET COLUMBIA, SC 29201 | STARMOUNT LIFE INSURANCE COMPANY | $261 | — | $261 | 4.99% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | STARMOUNT LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NC | 224 | $1.0M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NC | 224 | $1.0M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NC | 224 | $1.0M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 679 | $94K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 679 | $94K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 679 | $94K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NC | 224 | $1.0M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NC | 679 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 679 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.