| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MMIC AGENCY INC3 | 700 SPRING FOREST RD. STE 400 PO BOX 97967 RALEIGH, NC 27609 | METROPOLITAN LIFE INSURANCE COMPANY | $78K | $13K | $91K | 6.35% |
| MMIC AGENCY INC Filed as: MMIC AGENCY, LLC | PO BOX 97968 RALEIGH, NC 27624 | USABLE LIFE | $12K | — | $12K | 10.00% |
| MOSAIC GROUP SERVICES Filed as: MOSAIC GROUP | 4605 UNIVERSITY DR. DURHAM, NC 27707 | USABLE LIFE | $6K | — | $6K | 5.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF NC EIN 56-0894904 | Claims processing; Contract Administrator Service code 12 | — | $6.1M |
| MMIC AGENCY, LLC EIN 56-1195643 | Participant communication; Insurance agents and brokers Service code 22 | — | $5.9M |
| MEDICAL MUTUAL INSUANCE CO OF NC EIN 56-1122874 | Recordkeeping fees; Accounting (including auditing); Consulting (general) Service code 10 | — | $953K |
| NORTH CAROLINA MEDICAL SOCIETY EIN 56-0320130 | Consulting (general); Other services Service code 16 | — | $894K |
| LIFEWORKS US INC EIN 81-1114266 | Contract Administrator Service code 13 | — | $103K |
| US BANK EIN 31-0841368 | Investment management Service code 28 | — | $83K |
| FLORES & ASSOCIATES EIN 56-1542307 | Contract Administrator Service code 13 | — | $82K |
| GHB CONSULTING INC EIN 56-2004203 | Actuarial Service code 11 | — | $75K |
| RUDD AND WISDOM INC. EIN 74-1896655 | Actuarial; Consulting (general) Service code 11 | — | $51K |
| SMITH ANDERSON BLOUNT DORSETT EIN 56-0402850 | Legal Service code 29 | — | $48K |
| NORTH CAROLINA DEPARTMENT OF REVENU | Other fees Service code 99 | PO BOX 25000 RALEIGH, NC 27640 | $35K |
| JOHNSON LAMBERT & CO LLP EIN 52-1446779 | Accounting (including auditing) Service code 10 | — | $35K |
| CAPITOL COUNSEL LLC EIN 20-8053889 | Consulting fees Service code 70 | — | $30K |
| GASTON FAMILY HEALTH SERVICES EIN 58-1958398 | Participant communication Service code 38 | — | $20K |
| REDESIGNING WELLNESS, INC EIN 81-2263579 | Other services Service code 49 | — | $16K |
| HEALTHCARE HORIZONS CONSULTING, INC EIN 62-1542434 | Accounting (including auditing) Service code 10 | — | $11K |
| HOSPICE OF IREDELL COUNTY INC EIN 56-1376577 | Participant communication Service code 38 | — | $10K |
| DELANEY RADIOLOGISTS EIN 56-1342388 | Participant communication Service code 38 | — | $10K |
| TRIAD ADULT & PEDIATRIC MEDICINE EIN 56-1991438 | Participant communication Service code 38 | — | $6K |
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 | 17,131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 122 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 11 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 17,298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,912 | $1.4M |
| Life insurance | USABLE LIFE | 4,098 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,098 | — |
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."
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.