| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NANCY LAPHAM3 Filed as: NANCY PERRI | 150 SAWGRASS DR ROCHESTER, NY 14620 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $54K | — | $54K | 4.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC. | 1901 ROXBOROUGH RD SUITE 315 CHARLOTTE, NC 28211 | UNUM LIFE INSURANCE COMPANY | $4K | $1K | $6K | 15.16% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | 4615 UNIVERSITY DRIVE DURHAM, NC 27707 | UNUM LIFE INSURANCE COMPANY | — | $2K | $2K | 4.86% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC. | — | UNUM LIFE INSURANCE COMPANY | $4K | $1K | $5K | 18.51% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | — | UNUM LIFE INSURANCE COMPANY | — | $1K | $1K | 4.90% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC. | — | UNUM LIFE INSURANCE COMPANY | $3K | $723 | $3K | 18.76% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | 4615 UNIVERSITY DRIVE DURHAM, NC 27707 | UNUM LIFE INSURANCE COMPANY | — | $904 | $904 | 4.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC. | — | UNUM INSURANCE COMPANY | $101K | $190 | $101K | 1477.95% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | — | UNUM INSURANCE COMPANY | — | $703 | $703 | 10.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC. | — | UNUM INSURANCE COMPANY | $890 | $188 | $1K | 17.99% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | — | UNUM INSURANCE COMPANY | — | $630 | $630 | 10.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC. | — | UNUM INSURANCE COMPANY | $877 | $160 | $1K | 17.35% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | — | UNUM INSURANCE COMPANY | — | $600 | $600 | 10.04% |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 204 | $1.3M |
| Dental | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 204 | $1.3M |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 204 | $1.3M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY | 202 | $56K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY | 48 | $27K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 202 | $38K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 204 | $1.3M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY | 202 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.