| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN J BURCHFIELD3 Filed as: BRIAN J. BURCHFIELD | P.O. BOX 3414 CONCORD, NC 28025 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $41K | $500 | $42K | 3.57% |
| BURCHFIELD INSURANCE GROUP INC3 | P.O. BOX 3414 CONCORD, NC 28025 | USABLE LIFE | $3K | — | $3K | 10.00% |
| MOSAIC GROUP SERVICES3 | P.O. BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $1K | — | $1K | 5.00% |
| BURCHFIELD INSURANCE GROUP INC3 | P.O. BOX 3414 CONCORD, NC 28025 | USABLE LIFE | $1K | — | $1K | 10.00% |
| MOSAIC GROUP SERVICES3 | P.O. BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $592 | — | $592 | 5.00% |
| BURCHFIELD INSURANCE GROUP INC3 Filed as: BURCHFIELD INSURANCE GROUP | P.O. BOX 3414 CONCORD, NC 28025 | USABLE LIFE | $1K | — | $1K | 10.00% |
| MOSAIC GROUP SERVICES3 | P.O. BOX 2291 DURHAM, NC 27202 | USABLE LIFE | $514 | — | $514 | 5.00% |
| BURCHFIELD INSURANCE GROUP INC3 | P.O. BOX 3414 CONCORD, NC 28025 | USABLE LIFE | $176 | — | $176 | 15.02% |
| MOSAIC GROUP SERVICES3 | P.O. BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $117 | — | $117 | 9.98% |
| BURCHFIELD INSURANCE GROUP INC3 | P.O. BOX 3414 CONCORD, NC 28025 | USABLE LIFE | $32 | — | $32 | 15.02% |
| MOSAIC GROUP SERVICES3 | P.O. BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $21 | — | $21 | 9.86% |
| BURCHFIELD INSURANCE GROUP INC3 | 60 UNION STREET S CONCORD, NC 28025 | AMERITAS LIFE INSURANCE CORP. | $9K | — | $9K | — |
| IBSI HOLDINGS INC3 Filed as: IBSI HOLDINGS, INC. | P.O. BOX 24337 WINSTON SALEM, NC 27114 | AMERITAS LIFE INSURANCE CORP. | $5K | — | $5K | — |
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 | 171 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 142 | $1.2M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 268 | $0 |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 142 | $1.2M |
| Life insurance(2 contracts) | USABLE LIFE | 171 | $11K |
| Short-term disability | USABLE LIFE | 171 | $12K |
| Long-term disability | USABLE LIFE | 171 | $26K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 142 | $1.2M |
| Other(2 contracts) | USABLE LIFE | 171 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.
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.