| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | P.O. BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $3K | — | $3K | 5.00% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 626689 VIRGINIA BEACH, VA 23466 | USABLE LIFE | $7K | — | $7K | 15.00% |
| MOSAIC GROUP SERVICES3 | P.O. BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $5K | — | $5K | 10.00% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | P.O. BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | — | $2K | 5.00% |
| USI INSURANCE SERVICES LLC3 | ATTN SOUTHEAST REGION PO BOX 62689 VIRGINIA BEACH, VA 23466 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP INC. | P.O. BOX 11229 COLUMBIA, SC 29211 | COMPANION LIFE INSURANCE COMPANY | $867 | — | $867 | 7.50% |
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 | 292 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 551 | $2.4M |
| Dental | UNION SECURITY INSURANCE COMPANY | 240 | $211K |
| Vision | COMMUNITY EYE CARE | 271 | $16K |
| Life insurance(2 contracts) | USABLE LIFE | 291 | $99K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 29 | $12K |
| Long-term disability | USABLE LIFE | 289 | $47K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 551 | $2.4M |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 291 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 551 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.