| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES PEW3 Filed as: JAMES T. PRICE | 543 EVANS STREET GREENVILLE, NC 27858 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $11K | — | $11K | 1.22% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | USABLE LIFE | $7K | $179 | $8K | 16.75% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $5K | — | $5K | 10.90% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | USABLE LIFE | $5K | — | $5K | 16.14% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | — | $2K | 5.38% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | USABLE LIFE | $3K | — | $3K | 16.31% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $1K | — | $1K | 5.44% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | USABLE LIFE | $1K | — | $1K | 19.85% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $176 | — | $176 | 3.47% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | USABLE LIFE | $762 | $31 | $793 | 17.40% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $508 | — | $508 | 11.15% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | USABLE LIFE | $523 | — | $523 | 18.40% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $136 | — | $136 | 4.78% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | USABLE LIFE | $70 | $3 | $73 | 17.26% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $47 | — | $47 | 11.11% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 117 | $868K |
| Dental | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 117 | $868K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 117 | $868K |
| Life insurance(2 contracts) | USABLE LIFE | 94 | $25K |
| Short-term disability | USABLE LIFE | 62 | $45K |
| Long-term disability | USABLE LIFE | 43 | $32K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 117 | $868K |
| Other(5 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 117 | $897K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.