| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREW L ROWL3 | 100 N TRYON ST STE 111 CHARLOTTE, NC 28202 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $38K | — | $38K | 0.75% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRINCIPAL LIFE INSURANCE COMPANY | $46K | — | $46K | 11.05% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | P.O. BOX 2291 DURHAM, NC 277022291 | PRINCIPAL LIFE INSURANCE COMPANY | $21K | — | $21K | 4.94% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 200 PUBLIC SQ STE 3760 CLEVELAND, OH 44114 | HARTFORD LIFE AND ACCIDENT | $20K | $1K | $21K | 46.87% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | 4611 UNIVERSITY DR DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 7.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LIMITED | 4401 LEEDS AVE STE 260 NORTH CHARLESTON, SC 29405 | HARTFORD LIFE AND ACCIDENT | -$266 | $665 | $399 | 0.88% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $339 | $339 | 0.75% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $84 | $84 | 0.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LIMITED | 55 E JACKSON STE 14B CHICAGO, IL 60604 | HARTFORD LIFE AND ACCIDENT | — | -$7 | -$7 | -0.02% |
| MERCER HEALTH AND BENEFITS, LLC4 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $3K | — | $3K | 18.26% |
| MARK C SPESSARD4 | 3004 PECKOVER CT RALEIGH, NC 27615 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $489 | — | $489 | 3.15% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: HUB INTERNATIONAL RALEIGH | 8091 ARCO CORPORATE DR SUITE 100 RALEIGH, NC 27617 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $398 | — | $398 | 2.56% |
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 | 223 | 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) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 458 | $5.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 436 | $420K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 458 | $5.1M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 436 | $420K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 436 | $420K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 436 | $420K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 458 | $5.1M |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 436 | $481K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.