| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID SIMAS3 | 6100 FAIRVIEW RD STE 1000 CHARLOTTE, NC 28210 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $24K | $326 | $24K | 1.65% |
| BENJAMIN S DOBSON3 | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $12K | — | $12K | 0.82% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 6100 FAIRVIEW RD, STE 1400 CHARLOTTE, NC 28210 | SYMETRA LIFE INSURANCE COMPANY | $3K | $506 | $4K | 7.73% |
| MOSIAC GROUP SERVICES3 Filed as: MOSIAC GROUP SERVICES LLC | 3530 TORINGDON WAY, STE 404 CHARLOTTE, NC 28277 | SYMETRA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 7041 CARMEL EXECUTIVE PARK DR SUITE 320 CHARLOTTE, NC 28226 | SYMETRA LIFE INSURANCE COMPANY | $874 | — | $874 | 1.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 7401 CARMEL EXECUTIVE PARK DR STE 320 CHARLOTTE, NC 28226 | SYMETRA LIFE INSURANCE COMPANY | $401 | — | $401 | 0.82% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 6100 FAIRVIEW RD, STE 1400 CHARLOTTE, NC 28210 | SYMETRA LIFE INSURANCE COMPANY | $1K | — | $1K | 8.14% |
| MOSIAC GROUP SERVICES3 Filed as: MOSIAC GROUP SERVICES LLC | 4615 UNIVERSITY DR DURHAM, NC 27707 | SYMETRA LIFE INSURANCE COMPANY | — | $317 | $317 | 2.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 7401 CARMEL EXECUTIVE PARK DR STE 320 CHARLOTTE, NC 28226 | SYMETRA LIFE INSURANCE COMPANY | $269 | — | $269 | 2.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 7401 CARMEL EXECUTIVE PARK DR STE 320 CHARLOTTE, NC 28226 | SYMETRA LIFE INSURANCE COMPANY | $135 | — | $135 | 1.06% |
| DAVID SIMAS3 Filed as: DAVID D SIMAS | 6100 FAIRVIEW RD, SUITE 1000 CHARLOTTE, NC 28211 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $743 | — | $743 | 10.06% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD, SUITE 1400 CHARLOTTE, NC 28210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $247 | — | $247 | 10.26% |
| ECM BENEFITS LLC3 Filed as: ECM SOLUTIONS | 4000 PARK ROAD CHARLOTTE, NC 28209 | FEDERAL INSURANCE COMPANY | — | — | $0 | — |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 106 | $1.5M |
| Dental | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 106 | $1.5M |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 61 | $7K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 118 | $49K |
| Long-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 118 | $52K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 106 | $1.5M |
| Other(3 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 118 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.