| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TREVOR M. BEAVER3 | 8540 COLONNADE CENTER DRIVE RALEIGH, NC 27615 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $33K | $0 | $33K | 4.21% |
| SEASHORE INS & ASSOCIATION INC3 Filed as: SEASHORE INS. AND ASSOCIATION, INC. | 827 GUM BRANCH ROAD JACKSONVILLE, NC 28540 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $498 | $6K | 6.12% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $939 | $41 | $980 | 1.06% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $905 | $0 | $905 | 0.98% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $407 | $407 | 0.44% |
| USI INSURANCE SERVICES LLC3 | 1787 SENTRY PARKWAY WEST, SUITE 300 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $316 | $316 | 0.34% |
| USI INSURANCE SERVICES LLC3 | 400 HIGHWAY 169 SOUTH, 8TH FLOOR SAINT LOUIS PARK, MN 55426 | USABLE LIFE | $3K | $186 | $3K | 9.44% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $3K | $0 | $3K | 9.44% |
| FIRST NATIONAL INS AGENCY3 Filed as: FIRST NATIONAL INS. AGENCY, LLC | 12 FEDERAL STREET, SUITE 405 PITTSBURGH, PA 15212 | USABLE LIFE | $1K | $35 | $1K | 3.81% |
| CAROLINA BENEFIT SPECIALISTS INC3 Filed as: CAROLINA BENEFIT SPECIALISTS, INC. | 905 EAST ARLINGTON BOULEVARD SUITE A GREENVILLE, NC 27858 | USABLE LIFE | $834 | $0 | $834 | 2.38% |
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 |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 201 | $778K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 233 | $93K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 233 | $93K |
| Life insurance | USABLE LIFE | 159 | $35K |
| Short-term disability | USABLE LIFE | 159 | $35K |
| Long-term disability | USABLE LIFE | 159 | $35K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 201 | $778K |
| Other | USABLE LIFE | 159 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.