| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | 5955 CARNEGIE BOULEVARD, SUITE 150 CHARLOTTE, NC 28209 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 6.64% |
| USI INSURANCE SERVICES LLC3 | 2375 EAST CAMELBACK ROAD, SUITE 250 PHOENIX, AZ 85016 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 2.70% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | 7621 LITTLE AVENUE, SUITE 113 CHARLOTTE, NC 28226 | USABLE | $24K | $0 | $24K | 10.14% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE | $15K | $0 | $15K | 6.45% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | USABLE | $12K | $0 | $12K | 5.02% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | 218 TRADE STREET, SUITE G GREER, SC 29651 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 12.04% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD, SUITE 1400 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 5.34% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | 5955 CARNEGIE BOULEVARD, SUITE 150 CHARLOTTE, NC 28209 | SYMETRA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 13.34% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | 4615 UNIVERSITY DRIVE DURHAM, NC 27707 | SYMETRA LIFE INSURANCE COMPANY | $0 | $911 | $911 | 4.07% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD, SUITE 1400 CHARLOTTE, NC 28210 | SYMETRA LIFE INSURANCE COMPANY | $425 | $0 | $425 | 1.90% |
| RUTH A ANDERSON4 Filed as: RUTH A. ANDERSON | 331 SOUTH FAYETTEVILLE STREET CLAYTON, NC 27520 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $4K | $0 | $4K | 20.04% |
| EMPLOYEE BENEFIT SERVICES4 Filed as: EMPLOYEE BENEFIT ADVISORS | 7621 LITTLE AVENUE, SUITE 113 CHARLOTTE, NC 28226 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $867 | $0 | $867 | 4.90% |
| ANN M PALMER4 Filed as: ANN M. PALMER | 311 SUNNYSIDE AVENUE MURRELLS INLET, SC 29576 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $173 | $0 | $173 | 0.98% |
| SDM&R, INC DBA SENN DUNN INSURANCE4 Filed as: SDM&R DBA SENN DUNN INSURANCE | PO BOX 9375 GREENSBORO, NC 27429 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $76 | $0 | $76 | 0.43% |
| USI INSURANCE SERVICES LLC4 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $75 | $0 | $75 | 0.42% |
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 | 248 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 259 | $265K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 259 | $265K |
| Life insurance | USABLE | 329 | $234K |
| Long-term disability | USABLE | 329 | $234K |
| Other(4 contracts, 4 carriers) | USABLE | 329 | $325K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.