| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LARRY C. REECE3 | 6100 FAIRVIEW ROAD, STE 1000 CHARLOTTE, NC 28210 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $39K | — | $39K | 2.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 201503 DALLAS, TX 75320 | HUMANA DENTAL INSURANCE COMPANY | $7K | — | $7K | 4.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 330 MADISON AVENUE NEW YORK, NY 10017 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | PO BOX 2291 DURHAM, NC 27702 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $8K | — | $8K | 6.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203510 DALLAS, TX 75320 | VISION SERVICE PLAN | $1K | — | $1K | 4.95% |
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 | 162 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 339 | $1.5M |
| Dental | HUMANA DENTAL INSURANCE COMPANY | 159 | $133K |
| Vision | VISION SERVICE PLAN | 160 | $26K |
| Life insurance | AMERICAN GENERAL LIFE INSURANCE COMPANY | 389 | $127K |
| Short-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 389 | $127K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 389 | $127K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 339 | $1.5M |
| Other | AMERICAN GENERAL LIFE INSURANCE COMPANY | 389 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.