| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES RAY MOZINGO3 Filed as: JAMES MOZINGO/TRIANGLE INS | 921-C S MCPHERSON CHURCH RD FAYETTEVILLE, SC 28303 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $22K | $0 | $22K | 1.37% |
| JAMES RAY MOZINGO3 | 921 S MCPHERSON CHURCH RD FAYETTEVILLE, NC 28303 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $4K | $0 | $4K | 2.35% |
| INDEPENDENT INSURANCE GROUP INC3 | 921 S MCPHERSON CHURCH RD FAYETTEVILLE, NC 28303 | COMMUNITY EYE CARE | $1K | $0 | $1K | 3.08% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | COMMUNITY EYE CARE | $524 | $0 | $524 | 1.54% |
| INDEPENDENT INSURANCE GROUP INC3 | 921 S MCPHERSON CHURCH RD FAYETTEVILLE, NC 28303 | USABLE LIFE | $1K | $0 | $1K | 10.01% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 22702 | USABLE LIFE | $524 | $0 | $524 | 5.01% |
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 | 296 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 286 | $1.6M |
| Dental | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 397 | $173K |
| Vision | COMMUNITY EYE CARE | 296 | $34K |
| Life insurance | USABLE LIFE | 185 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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.