| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA5 Filed as: BLUE CROSS/BLUE SHIELD OF NC | 3165 SWEETEN CREEK RD. ASHEVILLE, NC 28803 | BLUE CROSS/BLUE SHIELD OF NORTH CAROLINA | — | $67K | $67K | 49.33% |
| BARTLETT, WES S.3 | P.O. BOX 9375 GREENSBORO, NC 27429 | BLUE CROSS/BLUE SHIELD OF NORTH CAROLINA | $25K | — | $25K | 18.73% |
| BLUE CROSS BLUE SHIELD OF FLORIDA5 Filed as: BLUE CROSS/BLUE SHIELD OF NC | 3165 SWEETEN CREEK RD. ASHEVILLE, NC 28803 | BLUE CROSS/BLUE SHIELD OF NORTH CAROLINA | — | $5K | $5K | 3.35% |
| HUGHES, JOSEPH3 | P.O. BOX 9375 GREENSBORO, NC 27429 | BLUE CROSS/BLUE SHIELD OF NORTH CAROLINA | $1K | — | $1K | 0.82% |
| BLUE CROSS BLUE SHIELD OF FLORIDA5 Filed as: BLUE CROSS/BLUE SHIELD OF NC | 3165 SWEETEN CREEK RD. ASHVILLE, NC 28803 | BLUE CROSS/BLUE SHIELD OF NORTH CAROLINA | — | $815 | $815 | 0.60% |
| ASSURANCE AGENCY LTD3 Filed as: THE ASSURANCE GROUP, INC. | P.O. BOX 458 THOMASVILLE, NC 27361 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $39 | $4K | 4.95% |
| MOSAIC GROUP SERVICES3 | P.O. BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | — | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 66 ROUTE 17 NORTH PARAMUS, NJ 07652 | USABLE LIFE | $2K | — | $2K | 7.48% |
| SDM&R, INC DBA SENN DUNN INSURANCE3 Filed as: SDM&R, INC. D.B.A. SENN DUNN INS. | P.O. BOX 9375 GREENSBORO, NC 27429 | USABLE LIFE | $556 | — | $556 | 2.52% |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS/BLUE SHIELD OF NORTH CAROLINA | 352 | $135K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 273 | $81K |
| Vision | BLUE CROSS/BLUE SHIELD OF NORTH CAROLINA | 352 | $135K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 273 | $81K |
| Short-term disability | USABLE LIFE | 61 | $22K |
| Long-term disability | USABLE LIFE | 61 | $22K |
| Prescription drug | BLUE CROSS/BLUE SHIELD OF NORTH CAROLINA | 352 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.