| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALAN B OVERBEY3 | 333 N GREENE STREET STE 400 GREENSBORO, NC 27401 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $56K | — | $56K | 4.93% |
| N WESTERN GP MRKTG SERV OF E NC INC3 | 4020 WESTCHASE BLVD FL2 RALEIGH, NC 27607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $1K | $12K | 9.68% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED | 126 E WATER ST PLYMOUTH, NC 27962 | AFLAC | $12K | $1K | $14K | 17.98% |
| BANYAN CONSULTING GROUP INC3 | 333 N GREENE ST STE 400 GREENSBORO, NC 27401 | COMMUNITY EYE CARE | $1K | — | $1K | 10.00% |
| BANYAN CONSULTING GROUP INC3 | 333 N GREEN ST STE 400 GREENSBORO, NC 27401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $756 | — | $756 | 10.00% |
| BANYAN CONSULTING GROUP INC3 | 333 N GREENE ST STE 101 GREENSBORO, NC 27401 | USABLE LIFE | $139 | — | $139 | 14.99% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $28 | — | $28 | 3.02% |
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 | 224 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 210 | $1.1M |
| Dental(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 384 | $133K |
| Vision | COMMUNITY EYE CARE | 228 | $14K |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 384 | $201K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 384 | $200K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 210 | $1.1M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 384 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 384 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.