| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES K UPCHURCH3 | PO BOX 13941 DURHAM, NC 29221 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $78K | — | $78K | 3.27% |
| MCGRIFF INSURANCE SERVICES INC3 | 250 W FIRST SUITE 100 WINSTON SALEM, NC 27101 | USABLE LIFE | $7K | $713 | $8K | 16.53% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $7K | — | $7K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 250 W FIRST SUITE 100 WINSTON SALEM, NC 27101 | USABLE LIFE | $6K | $581 | $7K | 16.35% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $6K | — | $6K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 250 W FIRST SUITE 100 WINSTON SALEM, NC 27101 | USABLE LIFE | $6K | $621 | $7K | 16.53% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $6K | — | $6K | 15.00% |
| CHARLES K UPCHURCH3 | PO BOX 13941 DURHAM, NC 29221 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $3K | — | $3K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 250 W FIRST STREET, #100 WINSTON SALEM, NC 27101 | USABLE LIFE | $2K | — | $2K | 9.81% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $855 | — | $855 | 4.90% |
| MCGRIFF INSURANCE SERVICES INC3 | 250 W FIRST SUITE 100 WINSTON SALEM, NC 27101 | USABLE LIFE | $653 | $57 | $710 | 16.32% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $653 | — | $653 | 15.01% |
| MCGRIFF INSURANCE SERVICES INC3 | 250 W FIRST SUITE 100 WINSTON SALEM, NC 27101 | USABLE LIFE | $200 | — | $200 | 10.01% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $100 | — | $100 | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 250 W FIRST SUITE 100 PO BOX 168 WINSTON SALEM, NC 27101 | USABLE LIFE | $185 | — | $185 | 12.16% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $93 | — | $93 | 6.11% |
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 | 412 | 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) | 412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 626 | $2.4M |
| Dental | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 626 | $2.4M |
| Vision(2 contracts) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 626 | $2.4M |
| Life insurance(2 contracts) | USABLE LIFE | 412 | $60K |
| Short-term disability | USABLE LIFE | 7 | $2K |
| Long-term disability(2 contracts) | USABLE LIFE | 146 | $43K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 626 | $2.4M |
| Other(3 contracts) | USABLE LIFE | 412 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 626 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.