| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRANDON MOOREFIELD3 | 2301 SUGAR BUSH ROAD SUITE 600 RALEIGH, NC 27612 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $78K | — | $78K | 2.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 W ELM ST SUITE 200 GREENSBORO, NC 27455 | THE HARTFORD LIFE AND ACCIDENT | $22K | — | $22K | 10.49% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | 4611 UNIVERSITY DR DURHAM, NC 27702 | THE HARTFORD LIFE AND ACCIDENT | — | $15K | $15K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | THE HARTFORD LIFE AND ACCIDENT | — | $10K | $10K | 4.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD STE 600 RALEIGH, NC 27612 | THE HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 2.00% |
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 | 726 | 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) | 726 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 543 | $2.7M |
| Dental | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 543 | $2.7M |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 543 | $2.7M |
| Life insurance | THE HARTFORD LIFE AND ACCIDENT | 383 | $210K |
| Short-term disability | THE HARTFORD LIFE AND ACCIDENT | 383 | $210K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 543 | $2.7M |
| Other | THE HARTFORD LIFE AND ACCIDENT | 383 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 543 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.