| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DREW M. LAMB Filed as: DREW M LAMB | 5925 CARNEGIE BLVD, STE 400 CHARLOTTE, NC 28209 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $34K | — | $34K | 4.13% |
| CP GREENSBORO, INC. Filed as: CP GREENSBORO INC | 629 GREEN VALLEY ROAD GREENSBORO, NC 27408 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $6K | — | $6K | 10.00% |
| MOSAIC GROUP SERVICES | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $3K | — | $3K | 8.00% |
| BB&T INSURANCE SERVICES, INC. Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | USABLE LIFE | $2K | — | $2K | 6.01% |
| CP GREENSBORO, INC. Filed as: CP GREENSBORO INC | 629 GREEN VALLEY ROAD, SUITE 202 GREENSBORO, NC 27408 | USABLE LIFE | $1K | — | $1K | 3.99% |
| BB&T INSURANCE SERVICES, INC. Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | USABLE LIFE | — | $1K | $1K | 5.98% |
| MOSAIC GROUP SERVICES | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $1K | — | $1K | 5.00% |
| CP GREENSBORO, INC. Filed as: CP GREENSBORO INC | 629 GREEN VALLEY ROAD, SUITE 202 GREENSBORO, NC 27408 | USABLE LIFE | — | $810 | $810 | 4.02% |
| MOSAIC GROUP SERVICES | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $660 | — | $660 | 10.00% |
| BB&T INSURANCE SERVICES, INC. Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | USABLE LIFE | $563 | — | $563 | 8.53% |
| CP GREENSBORO, INC. Filed as: CP GREENSBORO INC | 629 GREEN VALLEY ROAD,SUITE 202 GREENSBORO, NC 27408 | USABLE LIFE | $427 | — | $427 | 6.47% |
| MOSAIC GROUP SERVICES | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $150 | — | $150 | 8.01% |
| BB&T INSURANCE SERVICES, INC. Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | USABLE LIFE | $109 | — | $109 | 5.82% |
| CP GREENSBORO, INC. Filed as: CP GREENSBORO INC | 629 GREEN VALLEY ROAD, SUITE 202 GREENSBORO, NC 27408 | USABLE LIFE | $78 | — | $78 | 4.17% |
| BB&T INSURANCE SERVICES, INC. Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | USABLE LIFE | $16 | — | $16 | 4.62% |
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. |
| 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 116 | $823K |
| Dental | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 146 | $61K |
| Life insurance(2 contracts) | USABLE LIFE | 124 | $8K |
| Short-term disability(2 contracts) | USABLE LIFE | 108 | $33K |
| Long-term disability | USABLE LIFE | 125 | $20K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 116 | $823K |
| Other | USABLE LIFE | 124 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.