| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAMS, JOSHUA F3 | PO BOX 2287 SKYLAND, NC 28776 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $3K | — | $3K | 2.50% |
| JOSH WILLIAMS ENTERPRISES INC3 Filed as: JOSH WILLIAMS ENTERPRISES, INC. | PO BOX 2287 SKYLAND, NC 28776 | USABLE LIFE | $6K | — | $6K | 11.17% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $3K | — | $3K | 5.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA LLC (T | 4010 OLEANDER DRIVE SUITE 11 WILMINGTON, NC 28403 | USABLE LIFE | $2K | — | $2K | 3.83% |
| JOSH WILLIAMS ENTERPRISES INC3 Filed as: JOSH WILLIAMS ENTERPRISES, INC. | PO BOX 2287 SKYLAND, NC 28776 | USABLE LIFE | $4K | — | $4K | 11.21% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | — | $2K | 5.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA LLC (T | 4010 OLEANDER DRIVE SUITE 11 WILMINGTON, NC 28403 | USABLE LIFE | $1K | — | $1K | 3.79% |
| WILLIAMS, JOSHUA F3 | PO BOX 2287 SKYLAND, NC 28776 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $3K | — | $3K | 9.96% |
| JOSH WILLIAMS ENTERPRISES INC3 Filed as: JOSH WILLIAMS ENTERPRISES, INC. | PO BOX 2287 SKYLAND, NC 28776 | USABLE LIFE | $2K | — | $2K | 11.21% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $1K | — | $1K | 5.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA LLC (T | 4010 OLEANDER DRIVE SUITE 11 WILMINGTON, NC 28403 | USABLE LIFE | $808 | — | $808 | 3.79% |
| JOSH WILLIAMS ENTERPRISES INC3 Filed as: JOSH WILLIAMS ENTERPRISES, INC. | PO BOX 2287 SKYLAND, NC 28776 | USABLE LIFE | $2K | — | $2K | 11.41% |
| MOSAIC GROUP SERVICES3 | PO BOX 291 DURHAM, NC 27702 | USABLE LIFE | $2K | — | $2K | 10.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA LLC (T | 4010 OLEANDER DRIVE SUITE 11 WILMINGTON, NC 28403 | USABLE LIFE | $644 | — | $644 | 3.59% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $545 | — | $545 | 6.24% |
| JOSH WILLIAMS ENTERPRISES INC3 Filed as: JOSH WILLIAMS ENTERPRISES, INC. | PO BOX 2287 SKYLAND, NC 28776 | USABLE LIFE | $462 | — | $462 | 5.29% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA LLC (T | 4010 OLEANDER DRIVE SUITE 11 WILMINGTON, NC 28403 | USABLE LIFE | $125 | — | $125 | 1.43% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $605 | — | $605 | 7.25% |
| JOSH WILLIAMS ENTERPRISES INC3 Filed as: JOSH WILLIAMS ENTERPRISES, INC. | PO BOX 2287 SKYLAND, NC 28776 | USABLE LIFE | $422 | — | $422 | 5.06% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA LLC (T | 4010 OLEANDER DRIVE SUITE 11 WILMINGTON, NC 27702 | USABLE LIFE | $222 | — | $222 | 2.66% |
| JOSH WILLIAMS ENTERPRISES INC3 Filed as: JOSH WILLIAMS ENTERPRISES, INC. | PO BOX 2287 SKYLAND, NC 28776 | USABLE LIFE | $220 | — | $220 | 11.20% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 D DURHAM, NC 27702 | USABLE LIFE | $196 | — | $196 | 9.98% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA LLC (T | 4010 OLEANDER DRIVE SUITE 11 WILMINGTON, NC 28403 | USABLE LIFE | $75 | — | $75 | 3.82% |
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 | 232 | 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) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 194 | $121K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 186 | $35K |
| Life insurance | USABLE LIFE | 254 | $53K |
| Short-term disability | USABLE LIFE | 254 | $21K |
| Long-term disability | USABLE LIFE | 254 | $38K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 194 | $121K |
| Other(6 contracts, 2 carriers) | USABLE LIFE | 254 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.