| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIELLE GRADY3 | 901 BATTLEGROUND AVE GREENSBORO, NC 27408 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $41K | $0 | $41K | 5.14% |
| DENNIS INSURANCE3 | 901 BATTLEGROUND AVE GREENSBORO, NC 27408 | UNUM LIFE INSURANCE CO OF AMERICA | $6K | $792 | $7K | 17.76% |
| DENNIS INSURANCE3 Filed as: DENNIS INSURANCE AND FINANCIAL SERV | 901 BATTLEGROUND AV SUITE A GREENSBORO, NC 27408 | USABLE LIFE | $468 | $0 | $468 | 15.00% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | 4605 UNIVERSITY DR DURHAM, NC 27707 | USABLE LIFE | $312 | $0 | $312 | 10.00% |
| DENNIS INSURANCE3 Filed as: DENNIS INSURANCE & FINANCIAL SERV | 901 BATTLEGROUND STE A GREENSBORO, NC 27408 | USABLE LIFE | $589 | $0 | $589 | 24.19% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | 4605 UNIVERSITY DR DURHAM, NC 27707 | USABLE LIFE | $306 | $0 | $306 | 12.57% |
| DENNIS INSURANCE3 Filed as: DENNIS INSURANCE & FIN SERVICES INC | 901 BATTLEGROUND STE A GREENSBORO, NC 27408 | USABLE LIFE | $72 | — | $72 | 24.32% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $37 | — | $37 | 12.50% |
| DENNIS INSURANCE3 Filed as: DENNIS INSURANCE GROUP | 901 BATTLEGROUND AV GREENSBORO, NC 27408 | USABLE LIFE | $30 | $0 | $30 | 15.23% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $20 | $0 | $20 | 10.15% |
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 | 233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 109 | $791K |
| Vision | VISION BENEFITS OF AMERICA | 236 | $6K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE CO OF AMERICA | 233 | $126K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE CO OF AMERICA | 233 | $88K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 109 | $791K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE CO OF AMERICA | 233 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.