| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THRIVE BENEFITS LLC3 | 211 EAST BLVD CHARLOTTE, NC 28203 | USABLE LIFE | $14K | — | $14K | 14.42% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 28203 | USABLE LIFE | $5K | — | $5K | 5.15% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SC | 7621 LITTLE AVENUE SUITE 113 CHARLOTTE, NC 28226 | GUARDIAN LIFE INSURANCE COMPANY | $7K | — | $7K | 8.49% |
| THRIVE BENEFITS LLC3 | 211 EAST BLVD CHARLOTTE, NC 28203 | GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.51% |
| THRIVE BENEFITS LLC3 | 211 EAST BLVD CHARLOTTE, NC 28203 | USABLE LIFE | $7K | — | $7K | 13.91% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $3K | — | $3K | 4.97% |
| THRIVE BENEFITS LLC3 | 211 EAST BLVD CHARLOTTE, NC 28203 | AMERITAS LIFE INSURANCE CORP | $31K | — | $31K | 65.10% |
| THRIVE BENEFITS LLC3 | 211 EAST BLVD CHARLOTTE, NC 28203 | USABLE LIFE | $7K | — | $7K | 19.00% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $4K | — | $4K | 10.00% |
| THRIVE BENEFITS LLC3 | 211 EAST BLVD CHARLOTTE, NC 28203 | AMERITAS LIFE INSURANCE CORP | $5K | — | $5K | 15.00% |
| THRIVE BENEFITS LLC3 | 211 EAST BLVD CHARLOTTE, NC 28203 | USABLE LIFE | $3K | — | $3K | 20.38% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $1K | — | $1K | 7.28% |
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 | 249 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 392 | $48K |
| Vision | AMERITAS LIFE INSURANCE CORP | 666 | $36K |
| Life insurance(2 contracts) | USABLE LIFE | 359 | $53K |
| Short-term disability | USABLE LIFE | 358 | $54K |
| Long-term disability | USABLE LIFE | 358 | $100K |
| Other(3 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 359 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 666 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.