| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHIVE, ELIZABETH B.3 | PO BOX 845 LEXINGTON, NC 27293 | BLUECROSS BLUESHIELD OF NORTH CAROLINA | $33K | — | $33K | 3.61% |
| PIEDMONT INSURANCE & BENEFITS INC3 | PO BOX 845 LEXINGTON, NC 27293 | USABLE LIFE | $7K | — | $7K | 10.86% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $6K | — | $6K | 9.14% |
| PIEDMONT INSURANCE & BENEFITS INC3 | PO BOX 845 LEXINGTON, NC 27293 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.67% |
| CONSOLIDATED PLANNING HOLDINGS3 Filed as: CONSOLIDATED PLANNING | 4201 CONGRESS STREET CHARLOTTE, NC 28209 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29 | — | $29 | 0.05% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF NORTH CAROLINA | 190 | $923K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 91 | $63K |
| Life insurance | USABLE LIFE | 120 | $65K |
| Long-term disability | USABLE LIFE | 120 | $65K |
| Prescription drug | BLUECROSS BLUESHIELD OF NORTH CAROLINA | 190 | $923K |
| Other | USABLE LIFE | 120 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.