| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STANBERRY INSURANCE AGENCY INC3 Filed as: STANBERRY INSURANCE | PO BOX 577 SYLVA, NC 28779 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $18K | — | $18K | 3.30% |
| SHERRI BRYSON3 | PO BOX 577 SYLVA, NC 28779 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | — | — | $0 | 0.00% |
| STANBERRY INSURANCE AGENCY INC3 | 715 E MAIN STREET SYLVA, NC 28779 | GUARDIAN | $6K | — | $6K | 6.69% |
| CONSOLIDATED PLANNING HOLDINGS3 | 4201 CONGRESS ST STE 295 CHARLOTTE, NC 28209 | GUARDIAN | $57 | — | $57 | 0.07% |
| STANBERRY INSURANCE AGENCY INC3 | PO BOX 577 715 EAST MAIN STREET SYLVA, NC 28779 | USABLE LIFE | $461 | — | $461 | 10.00% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $231 | — | $231 | 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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 103 | $85K |
| Life insurance | USABLE LIFE | 139 | $5K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 161 | $558K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 139 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.