| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DREW M. LAMB3 Filed as: DREW M LAMB | 5925 CARNEGIE BLVD STE 400 CHARLOTTE, NC 28209 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $30K | — | $30K | 2.31% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 8.95% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | 4611 UNIVERSITY DR DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | — | $7K | $7K | 5.79% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29211 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 3.45% |
| MCGRIFF INSURANCE SERVICES INC3 | 5925 CARNEGIE BLVD STE 400 CHARLOTTE, NC 28209 | AMERITAS LIFE INSURANCE CORP | $9K | — | $9K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 47 AIRPARK CT PO BOX 27149 GREENVILLE, SC 29616 | AMERITAS LIFE INSURANCE CORP | — | $3K | $3K | 3.34% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 123 | $1.3M |
| Dental | AMERITAS LIFE INSURANCE CORP | 116 | $90K |
| Vision | AMERITAS LIFE INSURANCE CORP | 116 | $90K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 222 | $116K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 222 | $116K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 222 | $116K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 123 | $1.3M |
| Other | HARTFORD LIFE AND ACCIDENT | 222 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.