| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHELLEY L MCLEAN3 | 6525 MORRISON BLVD SUITE 215 CHARLOTTE, NC 28211 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $47K | $3K | $50K | 5.06% |
| COREY D QUATTLEBAUM3 | 3602 COENTRY STREET GREENVILLE, NC 27858 | KANSAS CITY LIFE INSURANCE COMPANY | $1K | — | $1K | 2.60% |
| SHELLEY L MCLEAN3 Filed as: SHELLEY MCLEAN | 6331 CARMEL RD CHARLOTTE, NC 28226 | KANSAS CITY LIFE INSURANCE COMPANY | $1K | — | $1K | 2.60% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | USABLE LIFE | $5K | — | $5K | 15.00% |
| MOSAIC GROUP SERVICES3 | PO BOX2291 DURHAM, NC 27702 | USABLE LIFE | $3K | — | $3K | 10.00% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE IN | 400 GALLERIA PKWY ATLANTA, GA 30339 | USABLE LIFE | $2K | — | $2K | 10.00% |
| MOSIAC GROUP SERVICES3 Filed as: MOSIAC GROUP | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $985 | — | $985 | 5.00% |
| SHELLY L MCLEAN3 Filed as: SHELLY MCLEAN | 6525 MORRISON BLVD STE 215 CHARLOTTE, NC 28211 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $2K | — | $2K | 9.96% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 179 | $986K |
| Dental | KANSAS CITY LIFE INSURANCE COMPANY | 134 | $54K |
| Vision | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 174 | $15K |
| Life insurance(2 contracts) | USABLE LIFE | 160 | $51K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 179 | $986K |
| Other | USABLE LIFE | 160 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
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.