| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID R. CONNOR Filed as: DAVID G HILL, JR | 4010 OLEANDER DR STE 11 WILMINGTON, NC 28403 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $11K | — | $11K | 0.93% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA, LLC | 4010 OLEANDER DR STE 11 WILMINGTON, NC 28403 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 13.71% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | PO BOX 2291 DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 7.00% |
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 | 96 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 96 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 151 | $1.2M |
| Dental | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 151 | $1.2M |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 151 | $1.2M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 100 | $32K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 151 | $1.2M |
| Other | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 151 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.