| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CURI AGENCY LLC3 | 700 SPRING FOREST RD STE 400 PO BOX 97968 RALEIGH, NC 276099124 | METROPOLITAN LIFE INSURANCE COMPANY | $50K | $9K | $59K | 6.51% |
| CURI AGENCY LLC | — | METROPOLITAN LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| CURI AGENCY LLC | 700 SPRING FOREST RD STE 400 RALEIGH, NC 27609 | USABLE LIFE | $7K | — | $7K | 9.75% |
| MOSAIC GROUP SERVICES | 1822-B N VIRGINIA DARE TRAIL KILL DEVIL HILLS, NC 27948 | USABLE LIFE | $4K | — | $4K | 5.06% |
| PROFESSIONAL INS SOLUTIONS Filed as: PROFESSIONAL INS SOLUTIONS LLC | 4818 SIX FORKS RD STE 102 RALEIGH, NC 27609 | USABLE LIFE | $203 | — | $203 | 0.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF NC EIN 56-0894904 | Contract Administrator; Claims processing Service code 12 | — | $2.4M |
| CURI AGENCY LLC EIN 56-1195643 | Participant communication; Insurance agents and brokers Service code 22 | — | $1.9M |
| NORTH RIVER INSURANCE EIN 13-5459190 | Insurance services Service code 23 | — | $1.1M |
| MEDICAL MUTUAL INSURANCE COMPANY EIN 56-1122874 | Consulting (general); Accounting (including auditing); Recordkeeping fees Service code 10 | — | $1.0M |
| NORTH CAROLINA MEDICAL SOCIETY EIN 56-0320130 | Consulting (general); Other services Service code 16 | — | $432K |
| SRA BENEFITS CONSULTING LLC EIN 87-2472111 | Participant communication; Insurance agents and brokers Service code 22 | — | $418K |
| RUDD AND WISDOM INC EIN 74-1896655 | Consulting (general); Actuarial Service code 11 | — | $87K |
| VITAL LIFEWORK INC. EIN 41-1456089 | Contract Administrator Service code 13 | — | $59K |
| FLORES & ASSOCIATES EIN 56-1542307 | Contract Administrator Service code 13 | — | $45K |
| JOHNSON LAMBERT LLP EIN 52-1446779 | Accounting (including auditing) Service code 10 | — | $38K |
| US BANK EIN 31-0841368 | Investment management Service code 28 | — | $35K |
| AVANCE HEALTH SYSTEMS EIN 83-0473378 | Participant communication Service code 38 | — | $35K |
| HOSPICE OF THE PIEDMONT INC EIN 58-1453827 | Participant communication Service code 38 | — | $16K |
| SMITH ANDERSON BLOUNT DORSETT EIN 54-0402850 | Legal Service code 29 | — | $14K |
| NELSON MULLINS RILEY SCARBOROUGH EIN 57-0215445 | Legal Service code 29 | — | $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 | 7,467 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 25 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,507 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,058 | $900K |
| Life insurance | USABLE LIFE | 2,667 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,667 | — |
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.