| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES ALEXANDER3 Filed as: JAMES MICHAEL ALEXANDER | 12 FEDERAL STREET SUITE 405 PITTSBURGH, PA 15212 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $6K | — | $6K | 0.72% |
| WILLIAMS L RITTER3 | 138 W MAIN ST STE 200 WILLIAMSTON, NC 27892 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $5K | — | $5K | 0.58% |
| TRIANGLE PLANNING SERVICES3 Filed as: TRIANGLE PLANNING SERVICES INC | 138 W MAIN ST STE 200 WILLIAMSTON, NC 27892 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.51% |
| FIRST NATIONAL INSURANCE AGENCY3 Filed as: FIRST NATIONAL INSURANCE AGENCY LLC | 501 FAYETTEVILLE ST FL 7 RALEIGH, NC 27601 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.34% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $812 | — | $812 | 7.00% |
| FIRST NATIONAL INSURANCE AGENCY3 Filed as: FIRST NATIONAL INSURANCE AGENCY LLC | 12 FEDERAL STREET STE 405 PITTSBURGH, PA 15212 | USABLE LIFE | $601 | — | $601 | 5.18% |
| TRIANGLE PLANNING SERVICES3 | 138 W MAIN ST STE 200 WILLIAMSTON, NC 27892 | USABLE LIFE | $559 | — | $559 | 4.82% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $563 | — | $563 | 8.01% |
| FIRST NATIONAL INSURANCE AGENCY3 Filed as: FIRST NATIONAL INSURANCE AGENCY LLC | 12 FEDERAL STREET STE 405 PITTSBURGH, PA 15212 | USABLE LIFE | $360 | — | $360 | 5.12% |
| TRIANGLE PLANNING SERVICES3 | 138 W MAIN ST STE 200 WILLIAMSTON, NC 27892 | USABLE LIFE | $343 | — | $343 | 4.88% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICE | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $102 | — | $102 | 6.98% |
| FIRST NATIONAL INSURANCE AGENCY3 Filed as: FIRST NATIONAL INSURANCE AGENCY LLC | 12 FEDERAL STREET STE 405 PITTSBURGH, PA 15212 | USABLE LIFE | $79 | — | $79 | 5.40% |
| TRIANGLE PLANNING SERVICES3 | 138 W MAIN ST STE 200 WILLIAMSTON, NC 27892 | USABLE LIFE | $67 | — | $67 | 4.58% |
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 | 140 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 157 | $883K |
| Dental | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 157 | $883K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 83 | $40K |
| Life insurance(2 contracts) | USABLE LIFE | 140 | $19K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 83 | $40K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 83 | $40K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 157 | $883K |
| Other(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 157 | $891K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.