| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES ALEXANDER3 Filed as: JAMES MICHAEL ALEXANDER | 12 FEDERAL ST STE 405 PITTSBURGH, PA 15212 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $23K | — | $23K | 2.33% |
| FIRST NATIONAL INSURANCE AGENCY3 | 12 FEDERAL ST SUITE 405 PITTSBURGH, PA 15212 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 9.81% |
| FIRST NATIONAL INSURANCE AGENCY3 Filed as: FIRST NATIONAL INSURANCE AGENCY LLC | 12 FEDERAL ST STE 405 PITTSBURGH, PA 15212 | USABLE LIFE | $1K | — | $1K | 9.90% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $947 | — | $947 | 6.93% |
| FIRST NATIONAL INSURANCE AGENCY3 Filed as: FIRST NATIONAL INSURANCE AGENCY LLC | 12 FEDERAL ST STE 405 PITTSBURGH, PA 15212 | USABLE LIFE | $753 | — | $753 | 9.98% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $602 | — | $602 | 7.98% |
| FIRST NATIONAL INSURANCE AGENCY3 Filed as: FIRST NATIONAL INSURANCE AGENCY LLC | 12 FEDERAL ST STE 405 PITTSBURGH, PA 15212 | USABLE LIFE | $180 | — | $180 | 9.89% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $126 | — | $126 | 6.92% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 174 | $988K |
| Dental | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 174 | $988K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 113 | $46K |
| Life insurance(2 contracts) | USABLE LIFE | 145 | $21K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 113 | $46K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 113 | $46K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 174 | $988K |
| Other(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 174 | $997K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.