| 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 | $16K | $500 | $17K | 3.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | USABLE LIFE | $7K | — | $7K | 10.84% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $4K | — | $4K | 5.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 2430 MALL DR STE 280 CHARLESTON, SC 29406 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 5.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR. 40 W MADISON 4TH FL BOA LOCK BOX CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 2.01% |
| ROBERT P. GRUBER JR3 | 8081 ARCO CORPORATE DRIVE STE 100 RALEIGH, NC 27617 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $772 | — | $772 | 10.01% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 108 | $563K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 177 | $51K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 120 | $8K |
| Life insurance | USABLE LIFE | 128 | $66K |
| Long-term disability | USABLE LIFE | 128 | $66K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 108 | $563K |
| Other | USABLE LIFE | 128 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.