| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERIN PEARCE3 | 3605 COLTSGATE DRIVE GREENSBORO, NC 27410 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $24K | $0 | $24K | 1.37% |
| STANLEY W PARK3 Filed as: STANLEY PARK | 3204 SAINT REGIS ROAD GREENSBORO, NC 27408 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $16K | $0 | $16K | 0.90% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | PO BOX 2291 DURHAM, NC 27702 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $14K | $14K | 5.71% |
| ASSUREDPARTNERS3 | 1007 BATTLEGROUND AVENUE, SUITE 103 GREENSBORO, NC 27408 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | $0 | $13K | 5.31% |
| PROVISIONS BENEFIT GROUP3 | 1852 BANKING STREET, PMB 9005 GREENSBORO, NC 27408 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 3.52% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE, SUITE 200 HUNT VALLEY, MD 21030 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $8K | $8K | 3.33% |
| UNKNOWN3 | UNKNOWN VALDESE, NC 28690 | COMMUNITY EYE CARE | $1K | $0 | $1K | 10.00% |
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 | 225 | 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) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 189 | $1.8M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 311 | $241K |
| Vision | COMMUNITY EYE CARE | 226 | $12K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 311 | $241K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 311 | $241K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 311 | $241K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 189 | $1.8M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 311 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.