| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DALE K. MOORE3 | PO BOX 220748 CHARLOTTE, NC 28222 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $37K | $0 | $37K | 2.60% |
| PAUL E. BRUNO3 | 4725 PIEDMONT ROW DRIVE, SUITE 510 CHARLOTTE, NC 28210 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $19K | $0 | $19K | 1.36% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD, SUITE 800 CHARLOTTE, NC 28210 | HUMANA INSURANCE COMPANY | $7K | $0 | $7K | 5.08% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE, SUITE 510 CHARLOTTE, NC 28210 | HUMANA INSURANCE COMPANY | $4K | $0 | $4K | 2.77% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | HUMANA INSURANCE COMPANY | $0 | $3K | $3K | 2.57% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | USABLE LIFE | $9K | $3K | $12K | 9.50% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $8K | $0 | $8K | 6.23% |
| LOCKTON COMPANIES, LLC3 | THREE CITY PLACE DRIVE, SUITE 900 SAINT LOUIS, MO 63141 | USABLE LIFE | $5K | $0 | $5K | 3.90% |
| USI INSURANCE SERVICES LLC3 | 4840 COX ROAD, SUITE 150 GLEN ALLEN, VA 23060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 17.14% |
| JENNY AYERS3 | 522 BUTLER DRIVE HENRICO, NC 27842 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $453 | $0 | $453 | 8.20% |
| JOHN HALL3 | 6809 TREE HILL ROAD MATTHEWS, NC 28104 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $72 | $0 | $72 | 1.30% |
| JENNA DOYLE3 | 3665 HIGHLAND DRIVE AYDEN, NC 28513 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $45 | $0 | $45 | 0.81% |
| JEANETTE ANDREWS3 | 705 SOUTH BROAD STREET ROBERSONVILLE, NC 27871 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $21 | $0 | $21 | 0.38% |
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 | 237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 308 | $1.4M |
| Dental | HUMANA INSURANCE COMPANY | 163 | $130K |
| Vision | HUMANA INSURANCE COMPANY | 163 | $130K |
| Life insurance | USABLE LIFE | 224 | $127K |
| Short-term disability | USABLE LIFE | 224 | $127K |
| Long-term disability | USABLE LIFE | 224 | $127K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 308 | $1.4M |
| Other(4 contracts, 4 carriers) | USABLE LIFE | 224 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.