| 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 | $23K | — | $23K | 2.87% |
| DENNIS INSURANCE3 | 901 BATTLEGROUND AVE SUITE A GREENSBORO, NC 27408 | USABLE LIFE | $6K | — | $6K | 10.13% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $3K | — | $3K | 5.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DENNIS INSURANCE & FINANCIAL SVC EIN 56-1861994 NONE | Insurance brokerage commissions and fees Service code 53 | 901 BATTLEGROUND AVE, STE A GREENSBORO, NC 27408 | $6K |
| ACS BENEFIT SERVICES LLC EIN 26-0529453 NONE | Contract Administrator; Claims processing Service code 12 | 5660 UNIVERSITY PKWY 5TH FLOOR WINSTON-SALEM, NC 27105 | $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 | 220 | 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) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 121 | $803K |
| Vision | VISION BENEFITS OF AMERICA | 229 | $6K |
| Life insurance | USABLE LIFE | 220 | $56K |
| Short-term disability | USABLE LIFE | 220 | $56K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 121 | $803K |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 220 | $859K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.