| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSHUA F. WILLIAMS3 | PO BOX 2287 SKYLAND, NC 28776 | BLUE CROSS BLUE SHEILD OF NORTH CAROLINA | $97K | $0 | $97K | 4.24% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP LLC OF N CAROLINA | JOSH WILLIAMS 4010 OLEANDER DR SUITE 11 WILMINGTON, NC 28403 | DELTA DENTAL OF NORTH CAROLINA | $24K | $0 | $24K | 12.50% |
| IBSI HOLDINGS INC3 Filed as: IBSI HOLDINGS, INC. | MICHAEL CORTESE PO BOX 24337 WINSTON SALEM, NC 271144337 | DELTA DENTAL OF NORTH CAROLINA | $10K | $0 | $10K | 5.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | DELTA DENTAL OF NORTH CAROLINA | $5K | $0 | $5K | 2.52% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA LLC | 4010 OLEANDER DR STE 11 WILMINGTON, NC 28403 | PRINCIPLE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 7.48% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | PO BOX 2291 DURHAM, NC 27702 | PRINCIPLE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | PRINCIPLE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.50% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | PO BOX 198 GREER, SC 29652 | PRINCIPLE LIFE INSURANCE COMPANY | -$3 | $0 | -$3 | -0.00% |
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 | 234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHEILD OF NORTH CAROLINA | 343 | $2.3M |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 355 | $192K |
| Vision | BLUE CROSS BLUE SHEILD OF NORTH CAROLINA | 343 | $2.3M |
| Life insurance | PRINCIPLE LIFE INSURANCE COMPANY | 350 | $105K |
| Long-term disability | PRINCIPLE LIFE INSURANCE COMPANY | 350 | $105K |
| Other | PRINCIPLE LIFE INSURANCE COMPANY | 350 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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."
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.