| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROMULUS L TEAGUE | PO BOX 385 TAYLORSVILLE, NC 28681 | BCBS OF NC | $32K | — | $32K | — |
| BENEFITS SOLUTIONS GROUP LLC Filed as: BENEFITS SOLUTIONS | 716 7TH AVE SE HICKORY, NC 28602 | US ABLE LIFE | $185 | — | $185 | — |
| MOSAIC GROUP SERVICES | PO BOX 2291 DURHAM, NC 27702 | US ABLE LIFE | $123 | — | $123 | — |
| BENEFIT SOLUTIONS INC Filed as: BENEFIT SOLUTIONS | 716 7TH AVE SE HICKORY, NC 28602 | USABLE LIFE | $3K | — | $3K | — |
| MOSAIC GROUP SERVICES | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | — | $2K | — |
| BENEFIT SOLUTIONS INC Filed as: BENEFIT SOLUTIONS | 716 7TH AVE SE HICKORY, NC 28602 | USABLE LIFE | $5K | — | $5K | — |
| MOSAIC GROUP SERVICES | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $3K | — | $3K | — |
| BENEFIT SOLUTIONS INC Filed as: BENEFIT SOLUTIONS | 716 7TH AVE SE HICKORY, NC 28602 | USABLE LIFE | $1K | — | $1K | — |
| MOSAIC GROUP SERVICES | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $812 | — | $812 | — |
| BENEFIT SOLUTIONS INC Filed as: BENEFIT SOLUTIONS | 716 7TH AVE SE HICKORY, NC 28602 | USABLE LIFE | $903 | — | $903 | — |
| MOSAIC GROUP SERVICES | PO BOX 291 DURHAM, NC 27702 | USABLE LIFE | $899 | — | $899 | — |
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 | 147 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBS OF NC | 0 | $0 |
| Dental | BCBS OF NC | 0 | $0 |
| Life insurance(3 contracts, 2 carriers) | US ABLE LIFE | 188 | $0 |
| Short-term disability | USABLE LIFE | 65 | $0 |
| Long-term disability | USABLE LIFE | 56 | $0 |
| Prescription drug | BCBS OF NC | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.