| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSHUA F. WILLIAMS3 Filed as: JOSHUA WILLIAMS | PO BOX 2287 SKYLAND, NC 28776 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $35K | — | $35K | 8.19% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NC LLC DBA WNC | HILB GROUP OF NC LLC WINSTON SALEM, NC 27101 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $14K | 13.56% |
| IBSI HOLDINGS INC3 | IBSI HOLDINGS WINSTON SALEM, NC 27114 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 5.76% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA LLC (T | 4010 OLEANDER DRIVE SUITE 11 WILMINGTON, NC 28403 | USABLE LIFE | $8K | — | $8K | 15.00% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $3K | — | $3K | 5.00% |
| WILLIAMS, JOSHUA F3 | PO BOX 2287 SKYLAND, NC 28776 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $4K | — | $4K | 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 | $6K | — | $6K | 15.00% |
| 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 | $3K | — | $3K | 15.00% |
| 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 | $2K | $46 | $2K | 15.30% |
| 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 | 7621 LITTLE AVENUE SUITE 113 CHARLOTTE, NC 28226 | USABLE LIFE | — | $46 | $46 | 0.30% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA LLC (T | 4010 OLEANDER DRIVE SUITE 11 WILMINGTON, NC 28403 | USABLE LIFE | $423 | $12 | $435 | 5.93% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $402 | — | $402 | 5.48% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA LLC (T | 7621 LITTLE AVENUE SUITE 113 CHARLOTTE, NC 28226 | USABLE LIFE | — | $12 | $12 | 0.16% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA LLC (T | 4010 OLEANDER DRIVE WILMINGTON, NC 28403 | USABLE LIFE | $997 | $68 | $1K | 14.81% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $905 | — | $905 | 12.59% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA LLC (T | 7621 LITTLE AVENUE SUITE 113 CHARLOTTE, NC 28226 | USABLE LIFE | — | $68 | $68 | 0.95% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA LLC (T | 4010 OLEANDER DRIVE SUITE 11 WILMINGTON, NC 28403 | USABLE LIFE | $260 | $6 | $266 | 15.33% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $173 | — | $173 | 9.97% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA LLC (T | 7621 LITTLE AVENUE SUITE 113 CHARLOTTE, NC 28226 | USABLE LIFE | — | $6 | $6 | 0.35% |
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 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 183 | $106K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 181 | $38K |
| Life insurance | USABLE LIFE | 231 | $52K |
| Short-term disability | USABLE LIFE | 231 | $20K |
| Long-term disability | USABLE LIFE | 231 | $37K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 225 | $429K |
| Other(6 contracts, 2 carriers) | USABLE LIFE | 231 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.