| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTINA N BYRON3 Filed as: CHRISTINA N. BYRON | P.O. BOX 12089 CHARLOTTE, NC 28220 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $31K | — | $31K | 3.83% |
| CORPORATE BENEFIT ADVISORS3 Filed as: CORPORATE BENEFIT ADVISORS, INC. | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 282115588 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 10.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES, INC. | 1250 S. CAPITAL OF TEXAS HWY BUILDING 2, STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $547 | — | $547 | 0.92% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC. | 1901 ROXBOROUGH RD CHARLOTTE, NC 28211 | DELTA DENTAL OF NORTH CAROLINA | $3K | — | $3K | 7.87% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | P.O. BOX 12089 CHARLOTTE, NC 28220 | USABLE LIFE | $2K | — | $2K | 18.30% |
| MOSAIC GROUP SERVICES3 | P.O. BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $1K | — | $1K | 8.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | P.O. BOX 12089 CHARLOTTE, NC 28220 | USABLE LIFE | $485 | — | $485 | 9.97% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | P.O. BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $245 | — | $245 | 5.04% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 217 | $821K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 213 | $93K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 217 | $821K |
| Life insurance(2 contracts) | USABLE LIFE | 152 | $18K |
| Long-term disability | USABLE LIFE | 68 | $13K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 217 | $821K |
| Other(2 contracts) | USABLE LIFE | 152 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.