| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID L YOPP3 Filed as: DAVID YOPP | 3405 FERNWOOD DRIVE RALEIGH, NC 27612 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $56K | — | $56K | 4.02% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | PO BOX 2291 DURHAM, NC 277022291 | PRINCIPAL LIFE INSURANCE COMPANY | — | $5K | $5K | 5.00% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 292216486 | PRINCIPAL LIFE INSURANCE COMPANY | -$16 | $5K | $5K | 4.92% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896624 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.44% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR GREENSBORO, NC 274099047 | PRINCIPAL LIFE INSURANCE COMPANY | — | $427 | $427 | 0.43% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | PO BOX 211486 COLUMBIA, SC 29221 | DELTA DENTAL OF NORTH CAROLINA | $4K | — | $4K | 3.65% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 305 | $1.4M |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 320 | $96K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 309 | $99K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 309 | $99K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 309 | $99K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 309 | $99K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 305 | $1.4M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 309 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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.