| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALAN H. WISE3 | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | BLUE CROSS AND BLUE SHIELD OF NC | $25K | — | $25K | 1.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC. | 1901 ROXBOROUGH RD. SUITE 300 CHARLOTTE, NC 282115588 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $2K | $14K | 8.54% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | 1901 ROXBOROUGH ROAD, SUITE 300 CHARLOTTE, NC 28211 | USABLE LIFE | $10K | $824 | $10K | 16.30% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $3K | — | $3K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | 1901 ROXBOROUGH ROAD, SUITE 300 CHARLOTTE, NC 28211 | USABLE LIFE | $6K | — | $6K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | 1901 ROXBOROUGH ROAD, SUITE 300 CHARLOTTE, NC 28211 | USABLE LIFE | $2K | — | $2K | 10.00% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $769 | — | $769 | 5.00% |
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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 69 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NC | 187 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 396 | $166K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 396 | $166K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 396 | $181K |
| Short-term disability | USABLE LIFE | 149 | $63K |
| Long-term disability | USABLE LIFE | 106 | $38K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NC | 187 | $1.9M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF NC | 396 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.