| 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 | $61K | — | $61K | 1.99% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | 4615 UNIVERSITY DRIVE DURHAM, NC 27707 | UNUM LIFE INSURNACE COMPANY OF AMERICA | $7K | $5K | $12K | 9.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM LIFE INSURNACE COMPANY OF AMERICA | $5K | $7K | $11K | 8.71% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM LIFE INSURNACE COMPANY OF AMERICA | $5K | $3K | $8K | 15.00% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | 461 UNIVERSITY DRIVE DURHAM, NC 27707 | UNUM LIFE INSURNACE COMPANY OF AMERICA | $3K | $2K | $5K | 9.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM INSURANCE COMPANY | $3K | $1K | $4K | 20.02% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | 4615 UNIVERSITY DRIVE DURHAM, NC 27707 | UNUM INSURANCE COMPANY | $1K | — | $1K | 4.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | THE HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | — |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | THE HARTFORD LIFE AND ACCIDENT | — | $577 | $577 | — |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 W ELM ST SUITE 200 GREENSBORO, NC 27455 | THE HARTFORD LIFE AND ACCIDENT | -$6 | — | -$6 | — |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | 4611 UNIVERSITY DR DURHAM, NC 27702 | THE HARTFORD LIFE AND ACCIDENT | — | -$7 | -$7 | — |
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 | 383 | 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) | 383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 369 | $3.1M |
| Dental | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 369 | $3.1M |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 369 | $3.1M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURNACE COMPANY OF AMERICA | 426 | $131K |
| Short-term disability | THE HARTFORD LIFE AND ACCIDENT | 383 | $0 |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 369 | $3.1M |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURNACE COMPANY OF AMERICA | 426 | $208K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 426 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.