| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYAN C HUDSON3 | 5925 CARNEGIE BLVD., STE. 400 CHARLOTTE, NC 28209 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $13K | — | $13K | 2.80% |
| DAVID C CHARLAND3 Filed as: DAVID CHARLAND | 4928 LINKSLAND DR., STE. 201 HOLLY SPRINGS, NC 27540 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $2K | — | $2K | 0.38% |
| MCGRIFF INSURANCE SERVICES INC3 | 4309 EMPEROR BLVD., STE. 300 DURHAM, NC 27703 | AMERITAS LIFE INSURANCE CORP. | $4K | $1K | $5K | 10.96% |
| PIERCE GROUP BENEFITS LLC3 | 4928 LINKSLAND DR., SUITE 201 HOLLY SPRINGS, NC 27540 | AMERITAS LIFE INSURANCE CORP. | $947 | — | $947 | 2.13% |
| MCGRIFF INSURANCE SERVICES INC3 | 4309 EMPEROR BLVD., STE. 300 DURHAM, NC 27703 | HARTFORD LIFE AND ACCIDENT | $2K | $247 | $2K | 15.23% |
| MOSAIC GROUP SERVICES3 | 4611 UNIVERSITY DR. DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 8.44% |
| PIERCE GROUP BENEFITS LLC3 Filed as: PIERCE GROUP BENEFITS | 4928 LINKSLAND DR., STE. 201 HOLLY SPRINGS, NC 27540 | HARTFORD LIFE AND ACCIDENT | $673 | — | $673 | 4.53% |
| MCGRIFF INSURANCE SERVICES INC3 | 4309 EMPEROR BLVD., STE. 300 DURHAM, NC 27703 | PRINCIPAL LIFE INSURANCE COMPANY | $879 | $47 | $926 | 12.01% |
| PIERCE GROUP BENEFITS LLC3 | 4928 LINKSLAND DR., SUITE 201 HOLLY SPRINGS, NC 27540 | PRINCIPAL LIFE INSURANCE COMPANY | $286 | — | $286 | 3.71% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 105 | $474K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 158 | $44K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 158 | $44K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 137 | $15K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 137 | $15K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 105 | $474K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 137 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.