| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P.O. BOX 62689 VIRGINIA BEACH, VA 234662689 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $345 | $2K | 7.67% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P.O. BOX 62689 VIRGINIA BEACH, VA 23466 | USABLE LIFE | $2K | $473 | $3K | 12.01% |
| MOSAIC GROUP SERVICES3 | P.O. BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $1K | — | $1K | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES, LLC | P.O. BOX 62689 VIRGINIA BEACH, VA 23466 | USABLE LIFE | $2K | $74 | $2K | 15.58% |
| 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 | $237 | $47 | $284 | 12.01% |
| MOSAIC GROUP SERVICES3 | P.O. BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $118 | — | $118 | 4.99% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P.O. BOX 62689 VIRGINIA BEACH, VA 23466 | USABLE LIFE | — | $74 | $74 | 3.22% |
| ENROLLEASE3 Filed as: GREGORY T. CLARKE | 8049 CORPORATE CENTER DRIVE CHARLOTTE, NC 28226 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $14K | $17K | $32K | — |
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 | 94 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 94 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 58 | $0 |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 77 | $31K |
| Life insurance | USABLE LIFE | 90 | $23K |
| Short-term disability | USABLE LIFE | 48 | $13K |
| Long-term disability(2 contracts) | USABLE LIFE | 13 | $5K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 58 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 90 | — |
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.