| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYNN R. GARDNER3 | 2329 SPRING ROADS NE HICKORY, NC 26601 | BLUE CROSS AND BLUE SHIELD NORTH CAROLINA | $20K | $1K | $21K | 2.77% |
| REID GARDNER AGENCY DBA THE GARDNER3 | 4046 GOLF DRIVE NE CONOVER, NC 28613 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 14.57% |
| REID GARDNER AGENCY DBA THE GARDNER3 | 2329 SPRING ROADS NE HICKORY, NC 26601 | USABLE LIFE | $2K | — | $2K | 12.49% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $1K | $0 | $1K | 6.68% |
| REID GARDNER AGENCY DBA THE GARDNER3 | 2329 SPRING ROADS NE HICKORY, NC 26601 | VISION SERVICE PLAN | $660 | — | $660 | 8.04% |
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 | 234 | 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) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD NORTH CAROLINA | 201 | $771K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 234 | $58K |
| Vision | VISION SERVICE PLAN | 115 | $8K |
| Life insurance | USABLE LIFE | 187 | $17K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD NORTH CAROLINA | 201 | $771K |
| Other | USABLE LIFE | 187 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.