| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CURI AGENCY LLC3 | 700 SPRING FOREST RD STE 400 RALEIGH, NC 276099124 | METROPOLITAN LIFE INSURANCE COMPANY | $58K | $8K | $67K | 6.29% |
| CURI AGENCY LLC Filed as: CURI AGENCY, LLC | PO BOX 97968 RALEIGH, NC 276247968 | USABLE LIFE | $10K | — | $10K | 10.00% |
| MOSAIC GROUP SERVICES Filed as: MOSAIC GROUP | 4605 UNIVERSITY DR DURHAM, NC 27707 | USABLE LIFE | $5K | — | $5K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CURI AGENCY LLC EIN 56-1195643 | Participant communication; Insurance agents and brokers Service code 22 | — | $3.7M |
| BLUE CROSS BLUE SHIELD OF NC EIN 56-0894904 | Claims processing; Contract Administrator Service code 12 | — | $3.6M |
| US FIRE INSURANCE EIN 13-5459190 | Insurance services Service code 23 | — | $1.3M |
| MEDICAL MUTUAL INSURANCE COMPANY EIN 56-1122874 | Consulting (general); Recordkeeping fees; Accounting (including auditing) Service code 10 | — | $1.0M |
| NC MEDICAL SOCIETY EIN 56-0320130 | Other services; Consulting (general) Service code 16 | — | $676K |
| GHB CONSULTING INC EIN 56-2004203 | Actuarial Service code 11 | — | $77K |
| VITAL WORKLIFE INC. EIN 41-1456089 | Contract Administrator Service code 13 | — | $68K |
| SMITH ANDERSON BLOUNT DORSETT EIN 56-0402850 | Legal Service code 29 | — | $59K |
| RUDD AND WISDOM INC EIN 74-1896655 | Consulting (general); Actuarial Service code 11 | — | $51K |
| FLORES & ASSOCIATES EIN 56-1542307 | Contract Administrator Service code 13 | — | $48K |
| US BANK EIN 31-0841368 | Investment management Service code 28 | — | $42K |
| JOHNSON LAMBERT & CO LLP EIN 52-1446779 | Accounting (including auditing) Service code 10 | — | $37K |
| SENTINEL RISK EIN 43-3368915 | Insurance services Service code 23 | — | $13K |
| HEALTHCARE HORIZONS CONSULTING INC EIN 62-1542434 | Accounting (including auditing) Service code 10 | — | $7K |
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 | 8,869 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,923 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,688 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,822 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.