| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GEOFFREY RICKS | 610 SIGNAL HILL MALL DRIVE STE 300 STATESVILLE, NC 28625 | BLUE CROSS BLUE SHIELD | $31K | — | $31K | 2.99% |
| PLASMAN CHRISTIAN | 628 GREEN VALLEY ROAD STE 306 GREENSBORO, NC 27408 | BLUE CROSS BLUE SHIELD | $10K | — | $10K | 0.94% |
| PIEDMONT BENEFITS GROUP, INC. Filed as: PIEDMONT BENEFITS GROUP | 610 SIGNAL HILL DRIVE EXT STATESVILLE, NC 28625 | HUMANA | $6K | — | $6K | 6.35% |
| IBSI HOLDINGS INC Filed as: IBSI HOLDINGS | PO BOX 24337 WINSTON SALEM, NC 27114 | HUMANA | $4K | — | $4K | 4.15% |
| JAMES A SCOTT & SON INC Filed as: JAMES A SCOOT AND SON INC | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | HUMANA | $322 | — | $322 | 0.35% |
| PIEDMONT BENEFITS GROUP, INC. Filed as: PIEDMONT BENEFITS GROUP INC | 1667 DAVIE AVENUE STATESVILLE, NC 28677 | THE HARTFORD | $10K | — | $10K | 11.47% |
| MOSAIC GROUP SERVICES Filed as: MOSAIC GROUP SERVICES, LLC | 4611 UNIVERSITY DRIVE DURHAM, NC 27702 | THE HARTFORD | — | $6K | $6K | 7.61% |
| JAMES A SCOTT & SON INC Filed as: JAMES A SCOTT AND SON INC | PO BOX 603438 CHARLOTTE, NC 28260 | THE HARTFORD | $5K | — | $5K | 5.38% |
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 | 150 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 170 | $1.0M |
| Dental | HUMANA | 122 | $92K |
| Vision | BLUE CROSS BLUE SHIELD | 170 | $1.0M |
| Life insurance | THE HARTFORD | 150 | $85K |
| Long-term disability | THE HARTFORD | 150 | $85K |
| Prescription drug | BLUE CROSS BLUE SHIELD | 170 | $1.0M |
| Other | THE HARTFORD | 150 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.
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.