| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALLACE H DAWSON3 Filed as: WALLACE H. DAWSON | 4325 LAKE BOONE TRAIL SUITE 200 RALEIGH, NC 27607 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $35K | $3K | $38K | 5.13% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 8.74% |
| USI INSURANCE SERVICES LLC3 Filed as: USI NORTHEAST INC. | 555 PLEASANTVILLE ROAD BRIARCLIFF MANOR, NY 10510 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 3.06% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 2.63% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | USABLE LIFE | $2K | — | $2K | 7.49% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | — | $2K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | USABLE LIFE | $790 | — | $790 | 2.51% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | FIDELITY SECURITY LIFE INSURANCE COMPANY DBA EYEMED VISION CARE | $612 | — | $612 | 8.07% |
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS | 4325 LAKE BOONE TRAIL SUITE 220 RALEIGH, NC 27607 | FIDELITY SECURITY LIFE INSURANCE COMPANY DBA EYEMED VISION CARE | $69 | — | $69 | 0.91% |
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | FIDELITY SECURITY LIFE INSURANCE COMPANY DBA EYEMED VISION CARE | $68 | — | $68 | 0.90% |
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 | 105 | 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. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 127 | $735K |
| Dental | STANDARD INSURANCE COMPANY | 94 | $45K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY DBA EYEMED VISION CARE | 137 | $8K |
| Life insurance | USABLE LIFE | 101 | $31K |
| Short-term disability | USABLE LIFE | 101 | $31K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 127 | $735K |
| Other | USABLE LIFE | 101 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.