| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT MARK MCLEAN | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $64K | — | $64K | 1.50% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $35K | $19K | $54K | 12.01% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | PO BOX 2291 DURHAM, NC 277022291 | PRINCIPAL LIFE INSURANCE COMPANY | $20K | — | $20K | 4.39% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS - SEE ATTACHMENT | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $4K | $14K | 22.76% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | COMMUNITY EYE CARE | $4K | — | $4K | 10.00% |
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 | 424 | 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) | 424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 463 | $4.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 694 | $449K |
| Vision | COMMUNITY EYE CARE | 421 | $43K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 694 | $449K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 694 | $449K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 463 | $4.3M |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 694 | $4.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 694 | — |
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.