| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWYERS INSURANCE AGENCY, INC.3 | 8000 WESTON PKWY., STE 200 CARY, NC 27513 | USABLE LIFE | $61K | — | $61K | 15.00% |
| MOSAIC GROUP SERVICES3 | 8000 WESTON PKWY., STE 200 CARY, NC 27702 | USABLE LIFE | $12K | — | $12K | 3.00% |
| LAWYERS INSURANCE AGENCY, INC.3 | 8000 WESTON PKWY., STE 200 CARY, NC 27513 | USABLE LIFE | $11K | — | $11K | 15.00% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | — | $2K | 3.00% |
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 | 3,799 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,799 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | USABLE LIFE | 4,261 | $478K |
| Short-term disability(2 contracts) | USABLE LIFE | 4,261 | $478K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,261 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.