| 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 | $43K | $478 | $43K | 3.11% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $3K | $9K | 9.60% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CTR DR STE 1800 GREENSBORO, NC 27409 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 5.40% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.62% |
| MCGRIFF INSURANCE SERVICES INC | PO BOX 896620 CHARLOTTE, NC 28289 | USABLE LIFE | $5K | — | $5K | 10.00% |
| MOSAIC GROUP SERVICES | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $4K | — | $4K | 8.00% |
| MCGRIFF INSURANCE SERVICES INC | PO BOX 896620 CHARLOTTE, NC 28289 | USABLE LIFE | $3K | — | $3K | 10.00% |
| MOSAIC GROUP SERVICES | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | — | $2K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC | PO BOX 896620 CHARLOTTE, NC 28289 | USABLE LIFE | $4K | — | $4K | 15.00% |
| MOSAIC GROUP SERVICES | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | — | $2K | 10.00% |
| DREW M. LAMB Filed as: DREW M LAMB | 5925 CARNEGIE BLVD, STE 400 CHARLOTTE, NC 28209 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $1K | — | $1K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC | PO BOX 896620 CHARLOTTE, NC 28289 | USABLE LIFE | $251 | — | $251 | 10.01% |
| MOSAIC GROUP SERVICES | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $201 | — | $201 | 8.02% |
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 | 155 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 141 | $1.4M |
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 97 | $92K |
| Vision | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 89 | $14K |
| Life insurance(2 contracts) | USABLE LIFE | 155 | $27K |
| Short-term disability | USABLE LIFE | 132 | $46K |
| Long-term disability | USABLE LIFE | 155 | $31K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 141 | $1.4M |
| Other | USABLE LIFE | 155 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.