| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 530 N TRADE ST. SW, STE. 302 WINSTON-SALEM, NC 27101 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $30K | — | $30K | 2.16% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 530 N TRADE ST. NW, STE. 302 WINSTON SALEM, NC 27101 | HARTFORD LIFE AND ACCIDENT | $16K | $2K | $19K | 19.25% |
| MOSAIC GROUP SERVICES3 | 4611 UNIVERSITY DR. DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | — | $7K | $7K | 7.05% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 530 N TRADE ST. NW, STE. 302 WINSTON-SALEM, NC 27114 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $7K | $4K | $11K | 13.76% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 530 N TRADE ST. NW, STE. 302 WINSTON-SALEM, NC 27101 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $2K | $752 | $2K | 13.76% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 218 | $1.4M |
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 126 | $79K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 114 | $16K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 129 | $97K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 129 | $97K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 129 | $97K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 218 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.