| 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 | $35K | — | $35K | 3.39% |
| MCGRIFF INSURANCE SERVICES INC | 3605 GLENWOOD AVE, STE 201 RALEIGH, NC 27612 | GUARDIAN | $20K | — | $20K | 22.82% |
| MCGRIFF INSURANCE SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | USABLE LIFE | $4K | — | $4K | 10.00% |
| MOSAIC GROUP SERVICES | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $3K | — | $3K | 8.00% |
| MCGRIFF INSURANCE SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | USABLE LIFE | $3K | — | $3K | 10.00% |
| MOSAIC GROUP SERVICES | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $1K | — | $1K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | USABLE LIFE | $3K | — | $3K | 15.00% |
| MOSAIC GROUP SERVICES | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | — | $2K | 10.00% |
| LAMB, DREW M | 5925 CARNEGIE BLVD, STE 400 CHARLOTTE, NC 28209 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $777 | — | $777 | 10.15% |
| MCGRIFF INSURANCE SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | USABLE LIFE | $200 | — | $200 | 10.00% |
| MOSAIC GROUP SERVICES | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $160 | — | $160 | 8.00% |
| MCGRIFF INSURANCE SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | USABLE LIFE | $15 | — | $15 | 9.87% |
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 | 132 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 123 | $1.0M |
| Dental | GUARDIAN | 96 | $88K |
| Vision | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 59 | $8K |
| Life insurance(2 contracts) | USABLE LIFE | 137 | $21K |
| Short-term disability(2 contracts) | USABLE LIFE | 112 | $36K |
| Long-term disability | USABLE LIFE | 132 | $26K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 123 | $1.0M |
| Other | USABLE LIFE | 137 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.