| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATTHEW O WILSON3 | 521 MOREHEAD STREET CHARLOTTE, NC 28202 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $19K | $0 | $19K | 1.04% |
| JAMES A SCOTT & SON INC3 | 7909 GLEN ABBEY CIR STANLEY, NC 28164 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.00% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | PO BOX 2291 DURHAM, NC 27702 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.16% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA ARMS | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.57% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $615 | $0 | $615 | 7.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | USABLE LIFE | $998 | $0 | $998 | 15.00% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $466 | $0 | $466 | 7.00% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $373 | $0 | $373 | 7.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | USABLE LIFE | $213 | $0 | $213 | 4.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | USABLE LIFE | $289 | $0 | $289 | 9.99% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $203 | $0 | $203 | 7.01% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | USABLE LIFE | $60 | $0 | $60 | 15.04% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $28 | $0 | $28 | 7.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CATAPULT FSA ADMIN | Contract Administrator; Claims processing Service code 12 | 9140 ARROWPOINT BOULEVARD SUITE 140 CHARLOTTE, NC 28273 | $2K |
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 | 218 | 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) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 169 | $1.9M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 305 | $114K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 305 | $114K |
| Life insurance | USABLE LIFE | 218 | $3K |
| Short-term disability | USABLE LIFE | 127 | $9K |
| Long-term disability | USABLE LIFE | 218 | $5K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 169 | $1.9M |
| Other(3 contracts) | USABLE LIFE | 218 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.