| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $178K | — | $178K | 4.77% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $94K | — | $94K | 4.97% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $23K | $23K | 1.20% |
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 | 5,590 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,101 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,691 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 4,859 | $694K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,615 | $3.7M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,465 | $1.9M |
| Other(2 contracts, 2 carriers) | CARELON BEHAVIORAL HEALTH INC | 5,590 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,615 | — |
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."
No prospect flags tripped on this filing.