| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERIC W. BLACK3 | 4064 COLONY ROAD, SUITE 450 CHARLOTTE, NC 28211 | BLUECROSS BLUESHIELD OF NORTH CAROLINA | $17K | $0 | $17K | 0.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4250 CONGRESS STREET, SUITE 200 CHARLOTTE, NC 28209 | HUMANA INSURANCE COMPANY | $5K | $0 | $5K | 2.92% |
| CONTEMPORARY BENEFITS ADVISORS LLC3 | 1801 SKYWAY DRIVE MONROE, NC 28110 | HUMANA INSURANCE COMPANY | $1 | $3K | $3K | 2.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | USABLE LIFE | $18K | $237 | $18K | 14.01% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $11K | $0 | $11K | 8.82% |
| CONTEMPORARY BENEFITS ADVISORS LLC3 | 1956 WELLNESS BOULEVARD MONROE, NC 28110 | USABLE LIFE | -$2K | $132 | -$2K | -1.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $5K | $65 | $5K | 20.20% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | 4611 UNIVERSITY DRIVE DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 7.00% |
| CONTEMPORARY BENEFITS ADVISORS LLC3 Filed as: CONTEMPORARY BENEFITS ADVISORS | 1801 SKYWAY DRIVE MONROE, NC 28110 | HARTFORD LIFE AND ACCIDENT | $16 | $0 | $16 | 0.06% |
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 | 225 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF NORTH CAROLINA | 388 | $2.0M |
| Dental | HUMANA INSURANCE COMPANY | 188 | $168K |
| Vision | HUMANA INSURANCE COMPANY | 188 | $168K |
| Life insurance | USABLE LIFE | 225 | $127K |
| Short-term disability | USABLE LIFE | 225 | $127K |
| Long-term disability | USABLE LIFE | 225 | $127K |
| Prescription drug | BLUECROSS BLUESHIELD OF NORTH CAROLINA | 388 | $2.0M |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 225 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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.