| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT M. MCLEAN3 Filed as: ROBERT M MCLEAN | PO BOX 1889 FORT MILL, SC 29716 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $44K | — | $44K | 4.62% |
| MUNICIPAL BENEFITS LLC3 Filed as: MUNICIPAL BENEFITS | 1053 BULLARD COURT RALEIGH, NC 27615 | TRANSAMERICA LIFE INSURANCE COMPANY | $12K | — | $12K | 18.03% |
| MUNICIPAL BENEFITS LLC3 Filed as: MUNICIPAL BENEFITS | 1053 BULLARD CT RALEIGH, NC 27615 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 10.86% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | USABLE LIFE | $3K | $1K | $4K | 15.69% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $1K | — | $1K | 5.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | USABLE LIFE | $3K | $1K | $4K | 21.17% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, CA 27702 | USABLE LIFE | $2K | — | $2K | 10.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | USABLE LIFE | $1K | $652 | $2K | 15.69% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $573 | — | $573 | 5.00% |
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 | 136 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 165 | $946K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 125 | $34K |
| Vision | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 165 | $946K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 136 | $78K |
| Short-term disability | USABLE LIFE | 106 | $18K |
| Long-term disability | USABLE LIFE | 136 | $25K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 165 | $946K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 136 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.
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.