| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANK WOODY, III3 | 4819 EMPEROR BOULEVARD SUITE 200 DURHAM, NC 27703 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $41K | $0 | $41K | 2.91% |
| LUKE FERGUSON3 | PO BOX 11548 CHARLOTTE, NC 28220 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $5K | $0 | $5K | 0.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD 4TH FLOOR ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF NORTH CAROLINA | $7K | $0 | $7K | 6.55% |
| IMA, INC.3 | 430 EAST DOUGLAS AVENUE SUITE 400 WICHITA, KS 67202 | DELTA DENTAL OF NORTH CAROLINA | $805 | $0 | $805 | 0.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | SYMETRA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 15.16% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | SYMETRA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 6.93% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC. | 4615 UNIVERSITY DRIVE DURHAM, NC 27707 | SYMETRA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1550 AVIATION PARKWAY SUITE 300 MORRISVILLE, NC 27703 | UNUM INSURANCE COMPANY | $3K | $0 | $3K | 13.43% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC. | 4613 UNIVERSITY DRIVE DURHAM, NC 27707 | UNUM INSURANCE COMPANY | $0 | $1K | $1K | 5.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 WEST GOLF ROAD ROLLING MEADOWS, UT 60008 | UNUM INSURANCE COMPANY | $0 | $527 | $527 | 2.31% |
| IMA, INC.3 | 95 SOUTH STATE STREET SUITE 1300 SALT LAKE CITY, UT 84111 | UNUM INSURANCE COMPANY | $360 | $0 | $360 | 1.58% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | UNUM INSURANCE COMPANY | $0 | $48 | $48 | 0.21% |
| GALLAGHER BENEFIT SERVICES, INC.4 | 4819 EMPEROR BOULEVARD SUITE 200 DURHAM, NC 27703 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $607 | $0 | $607 | 12.28% |
| IMA, INC.4 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $233 | $0 | $233 | 4.72% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 313 | $1.4M |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 314 | $107K |
| Vision | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 313 | $1.4M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 314 | $52K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 314 | $52K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 314 | $52K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 313 | $1.4M |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 314 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.