| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYAN A. WALLACE3 | 4064 COLONY ROAD, SUITE 450 CHARLOTTE, NC 28211 | BLUECROSS BLUESHIELD OF NORTH CAROLINA | $69K | — | $69K | 2.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 500 N BRAND BOULEVARD, SUITE 100 GLENDALE, CA 912033931 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $63 | $14K | 5.54% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 3.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.91% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 606945287 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3 | $3 | 0.00% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $16K | — | $16K | 8.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLD ROAD ROLLING MEADOWS, IL 60008 | USABLE LIFE | $14K | $1K | $15K | 8.42% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | USABLE LIFE | $8K | — | $8K | 4.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $8K | $655 | $9K | 12.69% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $5K | $154 | $5K | 7.94% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | 4611 UNIVERSITY DRIVE DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 4.30% |
| CONTEMPORARY BENEFITS ADVISORS LLC3 Filed as: CONTEMPORARY BENEFITS ADVISORS | 1801 SKYWAY DRIVE MONROE, NC 28110 | HARTFORD LIFE AND ACCIDENT | $382 | — | $382 | 0.57% |
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 | 285 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF NORTH CAROLINA | 254 | $2.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 492 | $258K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 492 | $258K |
| Life insurance | USABLE LIFE | 281 | $183K |
| Short-term disability | USABLE LIFE | 281 | $183K |
| Long-term disability | USABLE LIFE | 281 | $183K |
| Prescription drug | BLUECROSS BLUESHIELD OF NORTH CAROLINA | 254 | $2.6M |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 281 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 492 | — |
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.