| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TODD R REIDER3 Filed as: TODD REIDER | 2301 SUGAR BUSH ROAD SUITE 22 RALEIGH, NC 27612 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $50K | — | $50K | 1.83% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | PRINCIPAL LIFE INSURANCE COMPANY | $38K | $1K | $39K | 11.81% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | PO BOX 2291 DURHAM, NC 277022291 | PRINCIPAL LIFE INSURANCE COMPANY | — | $17K | $17K | 5.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | PRINCIPAL LIFE INSURANCE COMPANY | — | $710 | $710 | 0.21% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE ATTACHED | PO BOX 4386 MISSOULA, MT 59806 | AFLAC | $2K | — | $2K | 10.66% |
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 | 269 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 507 | $2.7M |
| Dental | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 507 | $2.7M |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 518 | $331K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 518 | $331K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 518 | $331K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 518 | $331K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 507 | $2.7M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 518 | $350K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 518 | — |
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.