| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES JONES3 | PO BOX 29004 GREENSBORO, NC 27429 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $19K | $0 | $19K | 4.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST SUITE 200 GREENSBORO, NC 274552604 | PRINCIPAL LIFE INSURANCE COMPANY | $42K | $976 | $43K | 11.73% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | PO BOX 2291 DURHAM, NC 277022291 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | $0 | $16K | 4.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST SUITE 200 GREENSBORO, NC 27455 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $3K | $21K | 18.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST SUITE 200 GREENSBORO, NC 27455 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $2K | $20K | 23.96% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 W ELM ST SUITE 200 GREENSBORO, NC 27455 | HARTFORD LIFE AND ACCIDENT | $10K | $0 | $10K | 23.12% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | 4611 UNIVERSITY DRIVE DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | $0 | $4K | $4K | 8.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 W ELM ST SUITE 200 GREENSBORO, NC 27455 | HARTFORD LIFE AND ACCIDENT | $9K | $0 | $9K | 22.86% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | 4611 UNIVERSITY DR DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | $0 | $3K | $3K | 8.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 W ELM ST SUITE 200 GREENSBORO, NC 27455 | HARTFORD LIFE AND ACCIDENT | $6K | $0 | $6K | 23.27% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | 4611 UNIVERSITY DRIVE DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 8.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHILED OF NORTH CAR EIN 56-0894904 CLAIMS PROCESSING | Claims processing Service code 12 | — | $145K |
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 | 484 | 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) | 484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 589 | $380K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 1,014 | $363K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 1,014 | $363K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,014 | $363K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 240 | $111K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 240 | $83K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 589 | $380K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 589 | $380K |
| Other(3 contracts) | HARTFORD LIFE AND ACCIDENT | 171 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,014 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.