| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM RITTER3 | 138 W MAIN ST STE 200 WILLIAMSTON, NC 27892 | BLUE CROSS BLUE SHIELD | $6K | — | $6K | 0.86% |
| TRIANGLE PLANNING SERVICES3 | 138 W MAIN ST STE 200 WILLIAMSTON, NC 27892 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 9.93% |
| TRIANGLE PLANNING SERVICES3 | 138 W MAIN ST STE 200 WILLIAMSTON, NC 27892 | USABLE LIFE | $1K | — | $1K | 10.00% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $728 | — | $728 | 7.00% |
| TRIANGLE PLANNING SERVICES3 | 138 W MAIN ST SUITE 200 WILLIAMSTON, NC 27892 | USABLE LIFE | $643 | — | $643 | 10.00% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $515 | — | $515 | 8.01% |
| TRIANGLE PLANNING SERVICES3 | 138 W MAIN ST STE 200 WILLIAMSTON, NC 27892 | USABLE LIFE | $109 | — | $109 | 9.97% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $77 | — | $77 | 7.04% |
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 | 128 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 128 | $754K |
| Dental | BLUE CROSS BLUE SHIELD | 128 | $754K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 83 | $38K |
| Life insurance(2 contracts) | USABLE LIFE | 125 | $17K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 83 | $38K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 83 | $38K |
| Prescription drug | BLUE CROSS BLUE SHIELD | 128 | $754K |
| Other(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD | 128 | $761K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.