| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BURCHIELD INSURANCE GROUP3 | PO BOX 3414 CONCORD, NC 28027 | BLUE CROSS BLUE SHIELD OF NC | $30K | — | $30K | 1.92% |
| RYAN WILCOX3 | PO BOX 5989 HIGH POINT, NC 27262 | BLUE CROSS BLUE SHIELD OF NC | $11K | — | $11K | 0.71% |
| BURCHFIELD INSURANCE GROUP INC3 Filed as: BURCHFIELD INSURANCE GROUP | P O BOX 3414 CONCORD, NC 28025 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $7K | $5K | $12K | 13.56% |
| IBSI HOLDINGS INC3 | 1381 OLD MILL CIRCLE SUITE 301 WINSTON-SALEM, NC 27114 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | — | $4K | $4K | 4.09% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH MCLENNAN AGENCY | 250 PHLE AVENUE SUITE 400 SADDLEBROOK, NJ 07663 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.58% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SVCS | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.79% |
| BURCHFIELD INSURANCE GROUP INC3 Filed as: BURCHFIELD INSURANCE GROUP | PO BOX 3414 CONCORD, NC 28025 | USABLE LIFE | $3K | — | $3K | 8.20% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | — | $2K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 100 FRONT STREET SUITE 800 WORCESTER, MA 01608 | USABLE LIFE | $2K | — | $2K | 4.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE BOSTON, MA 02199 | COMMUNITY EYE CARE | $892 | — | $892 | 4.93% |
| BURCHFIELD INSURANCE GROUP INC3 Filed as: BURCHFIELD INSURANCE GROUP | PO BOX 3414 CONCORD, NC 28027 | USABLE LIFE | $1K | — | $1K | 7.90% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $684 | — | $684 | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET SUITE 80 WORCESTER, MA 01608 | USABLE LIFE | $649 | — | $649 | 4.75% |
| BURCHFIELD INSURANCE GROUP INC Filed as: BURCHFIELD INSURANCE GROUP | PO BOX 3414 CONCORD, NC 28025 | USABLE LIFE | $955 | — | $955 | 8.18% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $584 | — | $584 | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 100 FRONT STREET SUITE 800 WORCESTER, MA 01608 | USABLE LIFE | $533 | — | $533 | 4.56% |
| BURCHFIELD INSURANCE GROUP INC3 Filed as: BURCHFIELD INSURANCE GROUP | PO BOX 3414 CONCORD, NC 28025 | USABLE LIFE | $85 | — | $85 | 29.93% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $28 | — | $28 | 9.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 100 FRONT STREET SUITE 800 WORCESTER, MA 01608 | USABLE LIFE | -$17 | — | -$17 | -5.99% |
| BURCHFIELD INSURANCE GROUP INC3 Filed as: BURCHFIELD INSURANCE GROUP | PO BOX 3414 CONCORD, NC 28025 | USABLE LIFE | $5 | — | $5 | 27.78% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2 | — | $2 | 11.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 100 FRONT STREET SUITE 800 WORCESTER, MA 01608 | USABLE LIFE | -$1 | — | -$1 | -5.56% |
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 | 191 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NC | 293 | $1.5M |
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 141 | $86K |
| Vision | COMMUNITY EYE CARE | 275 | $18K |
| Life insurance(3 contracts) | USABLE LIFE | 191 | $12K |
| Short-term disability | USABLE LIFE | 191 | $14K |
| Long-term disability | USABLE LIFE | 190 | $38K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NC | 293 | $1.5M |
| Other(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF NC | 293 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.
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.