| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYAN WILCOX | PO BOX 5969 HIGH POINT, NC 27262 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $47K | — | $47K | 2.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 161 WASHINGTON STREET STE1200 CONSHOHOCKEN, PA 19428 | USABLE LIFE | $4K | — | $4K | 10.93% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | — | $2K | 5.47% |
| RYAN WILCOX3 | MMA TRION OPERATING PO BOX 412703 BOSTON, MA 02241 | COMMUNITY EYE CARE | $2K | — | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 161 WASHINGTON STREET STE1200 CONSHOHOCKEN, PA 19428 | USABLE LIFE | $2K | — | $2K | 10.93% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 CONSHOHOCKEN, PA 19428 | USABLE LIFE | $1K | — | $1K | 5.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 161 WASHINGTON STREET STE1200 CONSHOHOCKEN, PA 19428 | USABLE LIFE | $1K | — | $1K | 10.95% |
| MOSAIC GROUP SERVICES | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $574 | — | $574 | 5.47% |
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 | 199 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 163 | $1.7M |
| Dental | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 163 | $1.7M |
| Vision | COMMUNITY EYE CARE | 270 | $23K |
| Life insurance | USABLE LIFE | 199 | $10K |
| Short-term disability | USABLE LIFE | 199 | $18K |
| Long-term disability | USABLE LIFE | 198 | $34K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 163 | $1.7M |
| Other | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 163 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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."
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.