| 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 | $65K | — | $65K | 3.16% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | MONY LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 22.60% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SVCS LLC | PO BOX 2291 DURHAM, NC 27702 | MONY LIFE INSURANCE COMPANY OF AMERICA | — | $15 | $15 | 0.02% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | MONY LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 19.83% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SVCS LLC | PO BOX 2291 DURHAM, NC 27702 | MONY LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 4.40% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $887 | — | $887 | 5.02% |
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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 320 | $2.1M |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 336 | $175K |
| Vision | EYEMED VISION CARE | 274 | $18K |
| Life insurance(2 contracts) | MONY LIFE INSURANCE COMPANY OF AMERICA | 221 | $129K |
| Long-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 221 | $79K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 320 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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.