| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORY S NEWTON3 | — | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $26K | — | $26K | 3.71% |
| DENNIS INSURANCE3 Filed as: DENNIS INSURANCE & FINANCIAL SVC | — | USABLE LIFE | $6K | — | $6K | 13.27% |
| MARSH & MCLENNAN AGENCY LLC3 | — | USABLE LIFE | $3K | — | $3K | 6.72% |
| MOSAIC GROUP SERVICES3 | — | USABLE LIFE | $2K | — | $2K | 5.00% |
| DENNIS FENNELL3 Filed as: DENNIS INSURANCE & FIN SVC INC | — | USABLE LIFE | $3K | — | $3K | 10.05% |
| MOSAIC GROUP SERVICES3 | — | USABLE LIFE | $3K | — | $3K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | — | USABLE LIFE | $2K | — | $2K | 4.95% |
| DENNIS FENNELL3 Filed as: DENNIS INSURANCE & FIN. SVCS. | — | USABLE | $831 | — | $831 | 9.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN MARSH & MCLENNAN AGCY | — | USABLE | $416 | — | $416 | 4.56% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | — | USABLE | $337 | — | $337 | 3.70% |
| DENNIS FENNELL3 Filed as: DENNIS INSURANCE AND FINSVC | — | USABLE LIFE | $546 | — | $546 | 9.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN MARSH & MCLENNAN AGENCY | — | USABLE LIFE | $274 | — | $274 | 4.58% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | — | USABLE LIFE | $222 | — | $222 | 3.71% |
| DENNIS FENNELL3 Filed as: DENNIS INSURANCE & FIN SVC | — | USABLE LIFE | $249 | — | $249 | 4.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN MARSH & MCLENNAN AGENCY | — | USABLE LIFE | $125 | — | $125 | 2.18% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | — | USABLE LIFE | $101 | — | $101 | 1.76% |
| MOSAIC GROUP SERVICES3 | — | USABLE LIFE | $146 | — | $146 | 10.03% |
| DENNIS FENNELL3 Filed as: DENNIS INSURANCE & FIN SVC | — | USABLE LIFE | $144 | — | $144 | 9.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | — | USABLE LIFE | $74 | — | $74 | 5.08% |
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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 1 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 135 | $712K |
| Life insurance | USABLE | 148 | $9K |
| Short-term disability | USABLE LIFE | 23 | $6K |
| Long-term disability | USABLE LIFE | 33 | $6K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 135 | $712K |
| Other(4 contracts, 2 carriers) | USABLE LIFE | 148 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.