| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM W. PLYLER3 | PO BOX 220948 CHARLOTTE MECKLENBURG, NC 28222 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $80K | $0 | $80K | 2.47% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD, SUITE 1400 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41K | $12K | $52K | 15.26% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | 4615 UNIVERSITY DRIVE DURHAM, NC 27707 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 5.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $5K | $0 | $5K | 11.77% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD, SUITE 1400 CHARLOTTE, NC 28210 | UNUM INSURANCE COMPANY | $4K | $675 | $5K | 11.85% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | 4615 UNIVERSITY DRIVE DURHAM, NC 27707 | UNUM INSURANCE COMPANY | $2K | $0 | $2K | 5.18% |
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 | 568 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 27 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 598 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 613 | $3.2M |
| Dental | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 613 | $3.2M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 523 | $43K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 562 | $343K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 562 | $343K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 562 | $343K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 613 | $3.2M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 613 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 613 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.