| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIANA J. DEGRAWA3 Filed as: DIANA J DEGRAW | 751 CORPORATE CENTER DRIVE STE 120 RALEIGH, NC 27607 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $24K | — | $24K | 0.49% |
| ANDREW L ROWL3 | 100 N TRYON ST STE 111 CHARLOTTE, NC 28202 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $20K | — | $20K | 0.42% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRINCIPAL LIFE INSURANCE COMPANY | $21K | — | $21K | 5.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2430 MALL DR STE 280 NORTH CHARLESTON, SC 29406 | PRINCIPAL LIFE INSURANCE COMPANY | $20K | — | $20K | 4.97% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | PO BOX 2291 DURHAM, NC 27702 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | $32 | $18K | 4.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 300 N LASALLE ST 17TH FLOOR CHICAGO, IL 60654 | PRINCIPAL LIFE INSURANCE COMPANY | — | $10K | $10K | 2.40% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 200 PUBLIC SQ STE 3760 CLEVELAND, OH 44114 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 36.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LIMITED | 2430 MALL DRIVE STE 280 CHARLESTON, SC 29406 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 33.61% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | 4611 UNIVERSITY DR DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 7.00% |
| WEBTPA EMPLOYER SERVICES LLC3 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 6.00% |
| MARK C SPESSARD4 | 3004 PECKOVER CT RALEIGH, NC 27615 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $2K | — | $2K | 21.91% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: HUB INTERNATIONAL RALEIGH | 8091 ARCO CORPORATE DR RALEIGH, NC 27617 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $2K | — | $2K | 16.03% |
| MERCER HEALTH AND BENEFITS, LLC4 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $156 | — | $156 | 1.51% |
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 | 229 | 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) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 459 | $4.9M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 448 | $400K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 459 | $4.9M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 448 | $400K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 448 | $400K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 448 | $400K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 459 | $4.9M |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 448 | $436K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 459 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.