| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT SOLUTIONS INC | 716 7TH AVE SE HICKORY, NC 28602 | USABLE LIFE | $6K | — | $6K | 15.00% |
| MOSAIC GROUP SERVICES | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $4K | — | $4K | 10.00% |
| BENEFIT SOLUTIONS INC | 716 7TH AVE SE HICKORY, NC 28602 | USABLE LIFE | $3K | — | $3K | 15.00% |
| MOSAIC GROUP SERVICES | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | — | $2K | 10.00% |
| BENEFIT SOLUTIONS INC | 716 7TH AVE SE HICKORY, NC 28602 | USABLE LIFE | $2K | — | $2K | 10.00% |
| MOSAIC GROUP SERVICES | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $1K | — | $1K | 8.00% |
| BENEFIT SOLUTIONS INC | 716 7TH AVE SE HICKORY, NC 28602 | USABLE LIFE | $1K | — | $1K | 15.00% |
| MOSAIC GROUP SERVICES | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $747 | — | $747 | 10.00% |
| BENEFIT SOLUTIONS INC | 716 7TH AVE SE HICKORY, NC 28602 | USABLE LIFE | $230 | — | $230 | 15.00% |
| MOSAIC GROUP SERVICES | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $153 | — | $153 | 9.98% |
| ROMULUS L TEAGUE | PO BOX 385 TAYLORSVILLE, NC 28681 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $32K | — | $32K | — |
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 | 251 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 251 | $0 |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 251 | $0 |
| Life insurance(2 contracts) | USABLE LIFE | 251 | $40K |
| Short-term disability | USABLE LIFE | 79 | $38K |
| Long-term disability | USABLE LIFE | 56 | $7K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 251 | $0 |
| Other | USABLE LIFE | 85 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.