| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| W S GANTT3 Filed as: W.S. GANTT | 8049 CORPORATE CENTER DRIVE CHARLOTTE, NC 28226 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $22K | $158 | $22K | 3.87% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P.O. BOX 62689 VIRGINIA BEACH, VA 234662689 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.64% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P.O. BOX 62689 VIRGINIA BEACH, VA 23466 | USABLE LIFE | $2K | — | $2K | 9.19% |
| MOSAIC GROUP SERVICES3 | P.O. BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $1K | — | $1K | 4.60% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES, LLC | P.O. BOX 62689 VIRGINIA BEACH, VA 23466 | USABLE LIFE | $2K | $288 | $2K | 17.14% |
| MOSAIC GROUP SERVICES3 | P.O. BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $1K | — | $1K | 10.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P.O. BOX 62689 VIRGINIA BEACH, VA 23466 | USABLE LIFE | — | $95 | $95 | 2.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P.O. BOX 62689 VIRGINIA BEACH, VA 23466 | USABLE LIFE | $199 | $39 | $238 | 11.97% |
| MOSAIC GROUP SERVICES3 | P.O. BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $99 | — | $99 | 4.98% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P.O. BOX 62689 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $191 | — | $191 | 21.27% |
No Schedule C service providers reported on this filing.
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 | 125 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 82 | $580K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 85 | $39K |
| Life insurance | USABLE LIFE | 126 | $24K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 85 | $53K |
| Long-term disability(3 contracts, 2 carriers) | USABLE LIFE | 14 | $7K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 82 | $580K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.