| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DELANEY ENDERLE3 | 5583 GUINEVERE LN MILTON, NC 32585 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $22K | $0 | $22K | 1.24% |
| ANDREW ROWL3 | 4250 CONGRESS STREET SUITE 200 CHARLOTTE, NC 28209 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $4K | $0 | $4K | 0.22% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 200 PUBLIC SQ STE 3760 CLEVELAND, OH 44114 | HARTFORD LIFE AND ACCIDENT | $14K | $0 | $14K | 10.68% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | 4611 UNIVERSITY DR DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | $0 | $9K | $9K | 7.11% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCES | CONSULTING INC 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 1.47% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | 4611 UNIVERSITY DR DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | $0 | -$142 | -$142 | -0.11% |
| MERCER HEALTH AND BENEFITS, LLC3 | HEATHER MOORE 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740045 | DELTA DENTAL OF NORTH CAROLINA | $12K | $0 | $12K | 9.96% |
| MERCER HEALTH AND BENEFITS, LLC4 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740045 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $201 | $0 | $201 | 4.15% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: HUB INTERNATIONAL RALEIGH | 8091 ARCO CORPORATE DR STE 100 RALEIGH, NC 276170000 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $45 | $0 | $45 | 0.93% |
| MARK C SPESSARD4 | 3004 PECKOVER CT RALEIGH, NC 276153975 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $33 | $0 | $33 | 0.68% |
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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 239 | $1.7M |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 226 | $116K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 239 | $1.7M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 108 | $130K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 108 | $130K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 108 | $130K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 239 | $1.7M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 239 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.