| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 1100 REYNOLDS BOULEVARD WINSTON-SALEM, NC 27105 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $59K | — | $59K | 2.73% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $13K | — | $13K | 20.00% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SVCS LLC | PO BOX 2291 DURHAM, NC 27702 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $904 | — | $904 | 5.03% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $14K | — | $14K | 194.11% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SVCS LLC | PO BOX 2291 DURHAM, NC 27702 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $4K | — | $4K | 48.52% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 342 | $2.1M |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 361 | $160K |
| Vision | EYEMED VISION CARE | 292 | $18K |
| Life insurance(2 contracts) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 154 | $71K |
| Short-term disability | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 1 | $60 |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 154 | $7K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 342 | $2.1M |
| Other | AMERICAN GENERAL LIFE INSURANCE COMPANY | 139 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 361 | — |
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.