| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MMIC AGENCY INC3 | 700 SPRING FOREST RD. SUITE 400 RALEIGH, NC 276099124 | METROPOLITAN LIFE INSURANCE COMPANY | $66K | $9K | $76K | 6.12% |
| CURI AGENCY LLC Filed as: CURI AGENCY, LLC | PO BOX 97968 RALEIGH, NC 276247968 | USABLE LIFE | $11K | $0 | $11K | 9.99% |
| MOSAIC GROUP SERVICES Filed as: MOSAIC GROUP | 4605 UNIVERSITY DRIVE DURHAM, NC 27707 | USABLE LIFE | $6K | $0 | $6K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF NC EIN 56-0894904 | Claims processing; Contract Administrator Service code 12 | — | $6.1M |
| CURI AGENCY LLC EIN 56-1195643 | Insurance agents and brokers; Participant communication Service code 22 | — | $6.1M |
| MEDICAL MUTUAL INSURANCE COMPANY EIN 56-1122874 | Accounting (including auditing); Consulting (general); Recordkeeping fees Service code 10 | — | $977K |
| NC MEDICAL SOCIETY EIN 56-0320130 | Other services; Consulting (general) Service code 16 | — | $968K |
| US FIRE INSURANCE EIN 13-5459190 | Insurance services Service code 23 | — | $545K |
| LIFEWORKS US INC. EIN 81-1114266 | Contract Administrator Service code 13 | — | $172K |
| FLORES & ASSOCIATES EIN 56-1542307 | Contract Administrator Service code 13 | — | $102K |
| RUDD AND WISDOM INC EIN 74-1896655 | Consulting (general); Actuarial Service code 11 | — | $86K |
| GHB CONSULTING INC EIN 56-2004203 | Actuarial Service code 11 | — | $76K |
| US BANK EIN 31-0841368 | Investment management Service code 28 | — | $68K |
| JOHNSON LAMBERT & CO LLP EIN 52-1446779 | Accounting (including auditing) Service code 10 | — | $38K |
| HEALTHCARE HORIZONS CONSULTING INC EIN 62-1542434 | Accounting (including auditing) Service code 10 | — | $37K |
| SMITH ANDERSON BLOUNT DORSETT EIN 56-0402850 | Legal Service code 29 | — | $30K |
| CHARLOTTE EYE EAR NOSE & THROAT EIN 56-1896112 | Participant communication Service code 38 | — | $20K |
| HOSPICE AND PALLIATIVE CARE-CHARLOT EIN 56-1219017 | Participant communication Service code 38 | — | $20K |
| PIEDMONT HEALTH SERVICES EIN 56-0952737 | Participant communication Service code 38 | — | $20K |
| ASHEVILLE EYE ASSOCIATES EIN 56-1967404 | Participant communication Service code 38 | — | $17K |
| RACHEL DRUCKENMILLER | Other services Service code 49 | 131 WARWICK DR. LUTHERVILLE, MD 21093 | $16K |
| CHARLOTTE GASTRENTEROLOGY EIN 56-2059693 | Participant communication Service code 38 | — | $12K |
| TOTAL NUTRITION TECHNOLOGY INC EIN 58-2159789 | Other services Service code 49 | — | $11K |
| CANCER CARE OF WNC EIN 56-1693667 | Participant communication Service code 38 | — | $10K |
| TRIUNE TECHNOLOGIES EIN 81-4205217 | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $9K |
| GASTROENTEROLOGY ASSOC OF PIEDMONT EIN 56-1251665 | Participant communication Service code 38 | — | $9K |
| HOSPICE OF RUTHERFORD COUNTY EIN 56-1337169 | Participant communication Service code 38 | — | $7K |
| SOUTHEAST RADIATION ONCOLOGY GROUP EIN 56-1087391 | Participant communication Service code 38 | — | $5K |
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 | 15,012 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 99 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,010 | $1.2M |
| Life insurance | USABLE LIFE | 3,884 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,884 | — |
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.