| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP SOUTHEAST | PO BOX 25172 WINSTON-SALEM, NC 27114 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $51K | — | $51K | 2.33% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 4010 OLEANDER DR., STE. 11 WILMINGTON, NC 28403 | USABLE LIFE | $23K | $3K | $26K | 15.20% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $12K | — | $12K | 7.08% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP SOUTHEAST | PO BOX 25172 WINSTON SALEM, NC 27114 | RESERVE NATIONAL INSURANCE COMPANY | $8K | — | $8K | 11.93% |
| WORKSITE BENEFIT SOLUTIONS INC3 | 255 TOWNCENTER DR., STE. 1561 CLEMMONS, NC 27012 | RESERVE NATIONAL INSURANCE COMPANY | $898 | — | $898 | 1.29% |
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 | 310 | 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) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 384 | $2.2M |
| Dental | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 384 | $2.2M |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 384 | $2.2M |
| Life insurance | USABLE LIFE | 310 | $174K |
| Short-term disability | USABLE LIFE | 310 | $174K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 384 | $2.2M |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 310 | $244K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 384 | — |
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.