| 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 | $146K | — | $146K | 2.96% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $39K | $22K | $61K | 11.49% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | PO BOX 2291 DURHAM, NC 277022291 | PRINCIPAL LIFE INSURANCE COMPANY | — | $23K | $23K | 4.42% |
| SWIDPRO LLC3 Filed as: SWIDPRO, LLC | 4944 WINDY HILL DR. STE A RALEIGH, NC 27609 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $2K | $7K | 9.55% |
| DIGITAL INSURANCE LLC3 | 1017 ASHES DR WILMINGTON, NC 28405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $315 | $4K | 5.00% |
| JEAN A MARCHI3 | PO BOX 1677 MT. AIRY, NC 27030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $217 | — | $217 | 0.29% |
| MICHAEL N THORN3 Filed as: MICHAEL N. THORN | 2708 ALAMANCE CHURCH RD GREENSBORO, NC 27406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $143 | — | $143 | 0.19% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NW COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | — | $95 | 0.13% |
| HAROLD W WELLS & SONS INC3 Filed as: HAROLD W WELLS & SONS INC. | 1 N. 3RD ST WILMINGTON, NC 28402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.06% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | COMMUNITY EYE CARE | $6K | — | $6K | 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 | 621 | 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) | 621 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 499 | $4.9M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 780 | $531K |
| Vision | COMMUNITY EYE CARE | 528 | $56K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 780 | $531K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 780 | $531K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 499 | $4.9M |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 780 | $5.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 780 | — |
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.