| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENJAMIN DOBSON3 | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 28211 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $21K | — | $21K | 4.74% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 28211 | HUMANA INSURANCE COMPANY | $3K | $81 | $3K | 7.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 28211 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $2K | $4K | 17.10% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | PO BOX 2291 DURHAM, NC 27702 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $389 | $2K | 6.49% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BUILDING 2 W LAKE HILLS, TX 78746 | PRINCIPAL LIFE INSURANCE COMPANY | — | $777 | $777 | 2.98% |
| DONNA L MATTHEWS3 Filed as: DONNA MATTHEWS | 4089 LINDA RD ROCK HILL, SC 29730 | AFLAC | $729 | $140 | $869 | 11.26% |
| WILLIAM D KEEFE3 | 114 MOTLEY LN PATRICK, SC 29584 | AFLAC | $185 | $28 | $213 | 2.76% |
| DAVID C BERRY3 | 2545 HEATHWAY DR FLORENCE, SC 29501 | AFLAC | $167 | $28 | $195 | 2.53% |
| ADVANTAGE GROUP INC.3 Filed as: ADVANTAGE INSURANCE LLC | 422 E MAIN STREET ROCK HILL, SC 29730 | AFLAC | $193 | — | $193 | 2.50% |
| TERRANCE M LUCZAJ3 | 435 HARRODS LN CHARLESTON, SC 29412 | AFLAC | $3 | — | $3 | 0.04% |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 88 | $443K |
| Dental | HUMANA INSURANCE COMPANY | 80 | $42K |
| Vision | HUMANA INSURANCE COMPANY | 80 | $42K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 160 | $26K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 160 | $26K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 88 | $443K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 160 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.