| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROMULUS L TEAGUE Filed as: ROMULUS TEAGUE | PO BOX 385 TAYLORSVILLE, NC 28681 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | — | — | $0 | 0.00% |
| BENEFIT SOLUTIONS INC | PO BOX 385 TAYLORSVILLE, NC 28681 | USABLE LIFE | $3K | — | $3K | 15.00% |
| MOSAIC GROUP SERVICES | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | — | $2K | 10.00% |
| BENEFIT SOLUTIONS INC | PO BOX 385 TAYLORSVILLE, NC 28681 | USABLE LIFE | $3K | — | $3K | 15.00% |
| MOSAIC GROUP SERVICES | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | — | $2K | 10.00% |
| BENEFIT SOLUTIONS INC | PO BOX 385 TAYLORSVILLE, NC 28681 | USABLE LIFE | $773 | — | $773 | 9.99% |
| MOSAIC GROUP SERVICES | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $619 | — | $619 | 8.00% |
| BENEFIT SOLUTIONS INC | PO BOX 385 TAYLORSVILLE, NC 28681 | USABLE INC | $821 | — | $821 | 15.01% |
| MOSAIC GROUP SERVICES | PO BOX 2291 DURHAM, NC 27702 | USABLE INC | $547 | — | $547 | 10.00% |
| BENEFIT SOLUTIONS INC | PO BOX 385 TAYLORSVILLE, NC 28681 | USABLE LIFE | $181 | — | $181 | 15.02% |
| MOSAIC GROUP SERVICES | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $121 | — | $121 | 10.04% |
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 | 129 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 129 | $630K |
| Life insurance(3 contracts) | USABLE LIFE | 147 | $27K |
| Short-term disability | USABLE LIFE | 51 | $23K |
| Long-term disability | USABLE INC | 43 | $5K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 129 | $630K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.