| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RANDY M BEASLEY3 | 1981 J.N. PEASE PLACE SUITE 202 CHARLOTTE, NC 28262 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $39K | $3K | $42K | 5.10% |
| RM BEASLEY & ASSOCIATES INC3 Filed as: R M BEASLEY & ASSOCIATES INC | 1981 J N PEASE PLACE SUITE 202 CHARLOTTE, NC 28262 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 6.56% |
| RM BEASLEY & ASSOCIATES INC3 Filed as: R.M. BEASLEY & ASSOCIATES, INC. | 1981 J.N. PEASE PLACE SUITE 202 CHARLOTTE, NC 28262 | USABLE LIFE | $6K | — | $6K | 13.86% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | P.O. BOX 2291 DURHAM, NC 27707 | USABLE LIFE | $4K | — | $4K | 9.43% |
| RANDY M BEASLEY3 | 1981 J.N. PEASE PLACE SUITE 202 CHARLOTTE, NC 28262 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $935 | — | $935 | 10.81% |
| RM BEASLEY & ASSOCIATES INC3 Filed as: R.M. BEASLEY & ASSOCIATES | 1981 JN PEASE PLACE SUITE 202 CHARLOTTE, NC 28262 | 1-800MD | $3K | — | $3K | 40.84% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 133 | $814K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 131 | $90K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 129 | $9K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 133 | $135K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 133 | $135K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 133 | $135K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 133 | $814K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 133 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.