| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACCRETIVE GLOBAL INSURANCE SERVICES3 | 4928 LINSLAND DR., SUITE 201 HOLLY SPRINGS, NC 27540 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 8.21% |
| PIERCE GROUP BENEFITS LLC3 | 4928 LINSLAND DR., SUITE 201 HOLLY SPRINGS, NC 27540 | AMERITAS LIFE INSURANCE CORP. | $597 | — | $597 | 1.79% |
| AP GLOBAL INSURANCE SERVICES LLC3 Filed as: AP GLOBAL INSURANCE SERVICES, LLC | 4928 LINSLAND DR., SUITE 201 HOLLY SPRINGS, NC 27540 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 13.67% |
| MOSAIC GROUP SERVICES3 | 4611 UNIVERSITY DR. DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 6.41% |
| MCGRIFF INSURANCE SERVICES INC3 | 4309 EMPEROR BLVD., STE. 300 DURHAM, NC 27703 | HARTFORD LIFE AND ACCIDENT | $14 | $130 | $144 | 0.79% |
| AP GLOBAL INSURANCE SERVICES LLC3 | 4928 LINSLAND DR., SUITE 201 HOLLY SPRINGS, NC 27540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $10 | $5K | 34.14% |
| PIERCE GROUP BENEFITS LLC3 | 4928 LINKSLAND DR., STE. 201 HOLLY SPRINGS, NC 27540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $646 | $11 | $657 | 4.34% |
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 | 93 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 94 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 85 | $431K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 136 | $33K |
| Vision | EYEMED VISION CARE | 96 | $0 |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 93 | $33K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 17 | $15K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 93 | $18K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 85 | $431K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 93 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.