| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOWARD EINSTEIN3 Filed as: HOWARD L EINSTEIN | 515 MCDANIEL AVENUE GREENVILLE, SC 29605 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $30K | $0 | $30K | 2.74% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $291 | $7K | 10.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | PO BOX 9375 GREENSBORO, NC 27429 | USABLE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 18.00% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.70% |
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 | 240 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 217 | $1.1M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 114 | $71K |
| Vision | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 217 | $1.1M |
| Life insurance | USABLE LIFE INSURANCE COMPANY | 64 | $7K |
| Long-term disability | USABLE LIFE INSURANCE COMPANY | 64 | $7K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 217 | $1.1M |
| Other | USABLE LIFE INSURANCE COMPANY | 64 | $7K |
| 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.