| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT P. GRUBER JR3 Filed as: ROBERT P. GRUBER JR. | 8081 ARCO CORPORATE DRIVE STE 100 RALEIGH, NC 27617 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $13K | — | $13K | 2.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | USABLE LIFE | $5K | — | $5K | 9.34% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | PO BOX 2291 DURHAM, NE 27702 | USABLE LIFE | $4K | — | $4K | 6.92% |
| RPG SOLUTIONS INC3 | 8081 ARCO CORPORATE DRIVE STE 100 RALEIGH, NC 27617 | USABLE LIFE | $823 | — | $823 | 1.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 2430 MALL DR STE 280 CHARLESTON, SC 29406 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 2.52% |
| RPG SOLUTIONS INC3 | 8081 ARCO CORPORATE DR STE 100 RALEIGH, NC 27617 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $64 | $1K | 2.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR. 40 W MADISON 4TH FL BANK OF AMERICA CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $651 | $651 | 1.32% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12 | $12 | 0.02% |
| ROBERT P. GRUBER JR3 | 8081 ARCO CORPORATE DRIVE STE 100 RALEIGH, NC 27617 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $632 | — | $632 | 9.19% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 97 | $523K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 168 | $49K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 100 | $7K |
| Life insurance | USABLE LIFE | 131 | $56K |
| Long-term disability | USABLE LIFE | 131 | $56K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 97 | $523K |
| Other | USABLE LIFE | 131 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.