| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLOUNT, CHRISTOPHER3 | 1667 DAVIE AVE STATESVILLE, NC 28677 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $35K | — | $35K | 4.02% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | $2K | $13K | 9.39% |
| PIEDMONT BENEFITS GROUP, INC.3 Filed as: PIEDMONT BENEFITS GROUP INC | 1667 DAVIE AVE STATESVILLE, NC 28677 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 6.20% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | PO BOX 2291 DURHAM, NC 27702 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 4.49% |
| PIEDMONT BENEFITS GROUP, INC.3 Filed as: PIEDMONT BENEFITS GROUP, INC | 18809 W CATAWBA AVE STE 101 CORNELIUS, NC 28031 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 15.34% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $675 | — | $675 | 1.09% |
| PIEDMONT BENEFITS GROUP, INC.3 Filed as: PIEDMONT BENEFITS GROUP INC | 1667 DAVIE AVE STATESVILLE, NC 28677 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 5.89% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 100 SUMMIT LAKE DRIVE 400 VALHALLA, NY 10595 | METROPOLITAN LIFE INSURANCE COMPANY | $398 | — | $398 | 1.64% |
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 | 106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 223 | $877K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 232 | $143K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 232 | $167K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 232 | $143K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 232 | $143K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 223 | $877K |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 223 | $939K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.