| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS-RALEIGH NC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | $40K | $41K | 4.26% |
| MUNICIPAL BENEFITS LLC3 Filed as: MUNICIPAL BENEFITS | 1053 BULLARD COURT RALEIGH, NC 27615 | TRANSAMERICA LIFE INSURANCE COMPANY | $8K | — | $8K | 11.84% |
| MUNICIPAL BENEFITS LLC3 Filed as: MUNICIPAL BENEFITS | PO BOX 98784 RALEIGH, NC 27624 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 14.96% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | USABLE LIFE | $3K | — | $3K | 10.83% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | — | $2K | 5.42% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | USABLE LIFE | $3K | $59 | $3K | 16.58% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, CA 27702 | USABLE LIFE | $2K | — | $2K | 10.85% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | USABLE LIFE | $1K | — | $1K | 10.78% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $694 | — | $694 | 5.39% |
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 | 72 | 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) | 73 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 121 | $958K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 71 | $32K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 121 | $958K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 159 | $82K |
| Short-term disability | USABLE LIFE | 72 | $20K |
| Long-term disability | USABLE LIFE | 105 | $28K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 159 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.