| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SRA BENEFITS CONSULTING LLC3 | 4700 SIX FORKS RD STE 200 RALEIGH, NC 276095244 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $0 | $26K | 3.45% |
| CURI AGENCY LLC3 | 700 SPRING FOREST RD STE 400 RALEIGH, NC 276099124 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $7K | $25K | 3.31% |
| SRA BENEFITS CONSULTING LLC | 4700 SIX FORKS RD STE 200 RALEIGH, NC 27609 | USABLE LIFE | $4K | $0 | $4K | 5.92% |
| MOSAIC GROUP SERVICES | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $3K | $0 | $3K | 5.08% |
| CURI AGENCY LLC | 700 SPRING FOREST RD STE400 RALEIGH, NC 27609 | USABLE LIFE | $2K | $0 | $2K | 3.75% |
| PROFESSIONAL INS SOLUTIONS Filed as: PROFESSIONAL INS SOLUTIONS LLC | 4818 SIX FORKS RD STE 102 RALEIGH, NC 27609 | USABLE LIFE | $220 | $0 | $220 | 0.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF NC EIN 56-0894904 | Claims processing; Contract Administrator Service code 12 | — | $2.1M |
| MEDICAL MUTUAL INSURANCE CO OF NC EIN 56-1122874 | Consulting (general); Recordkeeping fees; Accounting (including auditing) Service code 10 | — | $1.3M |
| NORTH RIVER INSURANCE EIN 13-5459190 | Insurance services Service code 23 | — | $970K |
| NORTH CAROLINA MEDICAL SOCIETY EIN 56-0320130 | Consulting (general); Other services Service code 16 | — | $396K |
| RUDD AND WISDOM INC EIN 74-1896655 | Consulting (general); Actuarial Service code 11 | — | $100K |
| VITAL WORKLIFE INC EIN 41-1456089 | Contract Administrator Service code 13 | — | $54K |
| JOHNSON LAMBERT LLP EIN 52-1446779 | Accounting (including auditing) Service code 10 | — | $43K |
| FLORES AND ASSOCIATES EIN 56-1542307 | Contract Administrator Service code 13 | — | $36K |
| SENTINEL RISK ADVISORS EIN 46-3368915 | Insurance services Service code 23 | — | $34K |
| ASSET MANAGEMENT AND MANAGEMENT EIN 36-4418695 | Investment management Service code 28 | — | $33K |
| HOSPICE OF THE PIEDMONT EIN 58-1453827 | Participant communication Service code 38 | — | $23K |
| THE FAMILY HEALTH CENTERS EIN 56-1220730 | Participant communication Service code 38 | — | $23K |
| CHARLOTTE GASTROENTEROLOGY EIN 56-2059693 | Participant communication Service code 38 | — | $18K |
| RALEIGH CAPITOL ENT | Participant communication Service code 38 | — | $11K |
| ORTHOPAEDIC SPECIALISTS OF NC EIN 56-2232487 | Participant communication Service code 38 | — | $10K |
| MID ATLANTIC EMERGENCY MEDICINE EIN 56-2066152 | Participant communication Service code 38 | — | $10K |
| TRIUNE TECHNOLOGIES EIN 30-0057733 | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $9K |
| CAROLINA INTERNAL MEDICINE EIN 56-0946696 | Participant communication Service code 38 | — | $7K |
| BURLINGTON PEDIATRICSD EIN 56-1211337 | Participant communication Service code 38 | — | $6K |
| CARY PEDIATRIC CENTER EIN 36-4351186 | Participant communication Service code 38 | — | $6K |
| NEUROLOGY AND PAIN MANAGEMENT EIN 20-1843747 | Participant communication Service code 38 | — | $5K |
| ASHEVILLE ARTHRITIS AND OSTEOPOROSI EIN 56-1426545 | Participant communication Service code 38 | — | $5K |
| SENTINEL BENEFIT CONSULTING EIN 87-2472111 | Participant communication; Insurance agents and brokers Service code 22 | — | $0 |
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 | 7,370 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 477 | $761K |
| Life insurance | USABLE LIFE | 1,861 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,861 | — |
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.