| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUZANNE K. JOHNSON3 | 5955 CARNEGIE BLVD STE 150 CHARLOTTE, NC 28209 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $23K | $0 | $23K | 2.04% |
| HOWARD EINSTEIN3 Filed as: HOWARD L EINSTEIN | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $5K | $0 | $5K | 0.47% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF SOUTH CAROLINA LLC | 7621 LITTLE AVE STE 113 CHARLOTTE, NC 28226 | USABLE LIFE INSURANCE COMPANY | $6K | $50 | $6K | 11.33% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | PO BOX 9375 GREENSBORO, NC 27429 | USABLE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.66% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF SOUTH CAROLINA LLC | 7621 LITTLE AVE STE 113 CHARLOTTE, NC 28226 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 6.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | SUN LIFE ASSURANCE COMPANY OF CANADA | $929 | $0 | $929 | 2.18% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $342 | $0 | $342 | 0.80% |
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 | 258 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 195 | $1.1M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 96 | $43K |
| Vision | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 195 | $1.1M |
| Life insurance | USABLE LIFE INSURANCE COMPANY | 256 | $54K |
| Long-term disability | USABLE LIFE INSURANCE COMPANY | 256 | $54K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 195 | $1.1M |
| Other | USABLE LIFE INSURANCE COMPANY | 256 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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.