| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFFREY H MAHONEY3 | PO BOX 662 GREENVILLE, NC 27835 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $31K | — | $31K | 3.83% |
| CAROLINA BENEFIT SPECIALISTS INC3 | 905 E ARLINGTON BLVD STE A GREENVILLE, NC 27858 | USABLE LIFE | $2K | $824 | $3K | 5.96% |
| FIRST NATIONAL INSURANCE AGENCY3 Filed as: FIRST NATIONAL INSURANCE AGENCY LLC | 12 FEDERAL STREET STE 405 PITTSBURGH, PA 15212 | USABLE LIFE | $3K | $0 | $3K | 5.78% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | $0 | $2K | 5.00% |
| CAROLINA BENEFIT SPECIALISTS INC3 | 905 E ARLINGTON BLVD STE A GREENVILLE, NC 278585864 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.59% |
| FIRST NATIONAL INSURANCE AGENCY3 | 764 BESSEMER ST MEADVILLE, PA 163351862 | METROPOLITAN LIFE INSURANCE COMPANY | $747 | — | $747 | 1.59% |
| VALERIE DIXON3 | 1046 PINE DR WINTERVILLE, NC 285909117 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $926 | — | $926 | 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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 150 | $811K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 166 | $47K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 134 | $9K |
| Life insurance | USABLE LIFE | 107 | $47K |
| Short-term disability | USABLE LIFE | 107 | $47K |
| Long-term disability | USABLE LIFE | 107 | $47K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 150 | $811K |
| Other | USABLE LIFE | 107 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.