| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMERON M. HARRIS AND COMPANY3 Filed as: CAMERON M. HARRIS AND COMPANY, LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $70K | $70K | 2.29% |
| USI INSURANCE SERVICES LLC3 | 6400 FAIRVIEW ROAD CHARLOTTE, NC 28210 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $40K | $0 | $40K | 16.81% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | PO BOX 2291 DURHAM, NC 27702 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $15K | $0 | $15K | 6.27% |
| USI INSURANCE SERVICES LLC3 | 3 EXECUTIVE PARK DRIVE, SUITE 300 BEDFORD, NH 03110 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $380 | $0 | $380 | 0.16% |
| CAMERON M. HARRIS AND COMPANY3 Filed as: CAMERON M. HARRIS COMPANY | 6400 FAIRVIEW ROAD, SUITE 1400 CHARLOTTE, NC 28210 | COMPANION LIFE INSURANCE COMPANY | $15K | $0 | $15K | 9.02% |
| THE CARSON GROUP INC3 Filed as: THE CARSON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | COMPANION LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.44% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | COMPANION LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.73% |
| UNKNOWN3 | UNKNOWN CHARLOTTE, NC 28273 | COMPANION LIFE INSURANCE COMPANY | $0 | $16 | $16 | 0.01% |
| WILLIAM W. PLYLER3 | PO BOX 220948 CHARLOTTE, NC 28222 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $3K | $0 | $3K | 10.00% |
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 | 316 | 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) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 316 | $3.0M |
| Dental | COMPANION LIFE INSURANCE COMPANY | 332 | $167K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 538 | $26K |
| Life insurance | AMERICAN GENERAL LIFE INSURANCE COMPANY | 430 | $240K |
| Short-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 430 | $240K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 430 | $240K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 316 | $3.0M |
| Other | AMERICAN GENERAL LIFE INSURANCE COMPANY | 430 | $240K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 538 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.