| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BURCHFIELD INSURANCE GROUP INC3 Filed as: BURCHFIELD INSURANCE GROUP INC. | P.O. BOX 3414 CONCORD, NC 28025 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $40K | $40K | 4.54% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: BURCHFIELD INSURACE GROUP INC | C/O BRIAN BURCHFIELD 60 UNION STREET S. CONCORD, NC 28025 | TRUASSURE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| IBSI HOLDINGS INC3 | — | TRUASSURE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| BURCHFIELD INSURANCE GROUP INC3 Filed as: BURCHFIELD INSURANCE GROUP INC. | P.O. BOX 3414 CONCORD, NC 28025 | USABLE LIFE | $3K | — | $3K | 10.00% |
| MOSIAC GROUP SERVICES3 | P.O. BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $1K | — | $1K | 5.00% |
| BURCHFIELD INSURANCE GROUP INC3 Filed as: BURCHFIELD INSURANCE AGENCY | P.O. BOX 3414 CONCORD, NC 28025 | COMMUNITY EYE CARE | $1K | — | $1K | 10.00% |
| 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 | $552 | — | $552 | 5.00% |
| BURCHFIELD INSURANCE GROUP INC3 | P.O. BOX 3414 CONCORD, NC 28025 | USABLE LIFE | $979 | — | $979 | 10.00% |
| MOSAIC GROUP SERVICES3 | P.O. BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $489 | — | $489 | 5.00% |
| BURCHFIELD INSURANCE GROUP INC3 Filed as: BURCHFIELD INSURANCE GROUP INC. | P.O. BOX 3414 CONCORD, NC 28025 | USABLE LIFE | $99 | — | $99 | 15.00% |
| MOSAIC GROUP SERVICES3 | P.O. BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $66 | — | $66 | 10.00% |
| BURCHFIELD INSURANCE GROUP INC3 Filed as: BURCHFIELD INSURANCE GROUP INC. | P.O. BOX 3414 CONCORD, NC 28025 | USABLE LIFE | $13 | — | $13 | 14.94% |
| MOSAIC GROUP SERVICES3 | P.O. BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $9 | — | $9 | 10.34% |
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 | 178 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 243 | $874K |
| Dental | TRUASSURE INSURANCE COMPANY | 206 | $74K |
| Vision | COMMUNITY EYE CARE | 205 | $14K |
| Life insurance(2 contracts) | USABLE LIFE | 178 | $10K |
| Short-term disability | USABLE LIFE | 178 | $11K |
| Long-term disability | USABLE LIFE | 178 | $29K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 243 | $874K |
| Other(2 contracts) | USABLE LIFE | 178 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
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.