| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN P DANIELS3 | 1213 CULBRETH DRIVE WILMINGTON, NC 28405 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $20K | — | $20K | 10.57% |
| GROUP BENEFIT STRATEGIES LLC3 | 1213 CULBRETH DR WILMINGTON, NC 28405 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 10.00% |
| GROUP BENEFIT STRATEGIES LLC3 | 1213 CULBRETH DR WILMINGTON, NC 28405 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | — | $18K | 20.00% |
| GROUP BENEFIT STRATEGIES LLC3 | 1213 CULBRETH DR WILMINGTON, NC 28405 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 20.00% |
| GROUP BENEFIT STRATEGIES LLC3 | 1213 CULBRETH DR WILMINGTON, NC 28405 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 9.92% |
| GROUP BENEFIT STRATEGIES LLC3 Filed as: GROUP BENEFIT STRATEGIES | 1213 CULBRETH DRIVE WILMINGTON, NC 28405 | USABLE LIFE | $2K | — | $2K | 5.70% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $817 | — | $817 | 2.73% |
| EBENCONCEPTS COMPANY3 | 921-C S. MCPHERSON CHURCH ROAD FAYETTEVILLE, NC 28303 | USABLE LIFE | $143 | — | $143 | 0.48% |
| MICHELE GREGORY3 | 522 CAROLYN COURT CARY, NC 27511 | USABLE LIFE | $36 | — | $36 | 0.12% |
| CHASTY UNDERWOOD3 | 9417 TITUS LANE HUNTERSVILLE, NC 28078 | USABLE LIFE | $14 | — | $14 | 0.05% |
| JOHN P DANIELS3 | 1213 CULBRETH DR WILMINGTON, NC 28405 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 12.70% |
| GROUP BENEFIT STRATEGIES LLC3 Filed as: GROUP BENEFIT STRATEGIES | 1213 CULBRETH DRIVE WILMINGTON, NC 28405 | USABLE LIFE | $798 | — | $798 | 5.90% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $445 | — | $445 | 3.29% |
| GROUP BENEFIT STRATEGIES LLC3 Filed as: GROUP BENEFIT STRATEGIES | 1213 CULBRETH DRIVE WILMINGTON, NC 28405 | USABLE LIFE | $837 | — | $837 | 6.44% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $656 | — | $656 | 5.05% |
| MICHELE GREGORY3 | 522 CAROLYN COURT CARY, NC 27511 | USABLE LIFE | $13 | — | $13 | 0.10% |
| GROUP BENEFIT STRATEGIES LLC3 Filed as: GROUP BENEFIT STRATEGIES | 1213 CULBRETH DRIVE WILMINGTON, NC 28405 | USABLE LIFE | $781 | — | $781 | 9.99% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $391 | — | $391 | 5.00% |
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 | 398 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 398 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 645 | $2.1M |
| Dental | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 623 | $191K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 645 | $2.0M |
| Life insurance(3 contracts, 3 carriers) | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 1,089 | $130K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 262 | $91K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 262 | $85K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 645 | $1.9M |
| Other(5 contracts, 2 carriers) | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 480 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,089 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.