| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL J BRESLIN3 | THE HILB GROUP OF NC PO BOX 2287 SKYLAND, NC 28776 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $67K | — | $67K | 12.97% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NORTH CAROLINA, L | JOSH WILLIAMS 530 NORTH TRADE STREET SUITE 302 WINSTON SALEM, NC 27101 | DELTA DENTAL OF NORTH CAROLINA | $11K | — | $11K | 8.99% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES, LLC | DEBRA A LABANT 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | DELTA DENTAL OF NORTH CAROLINA | $5K | — | $5K | 4.02% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA LLC (T | 4010 OLEANDER DRIVE SUITE 11 WILMINGTON, NC 28403 | USABLE LIFE | $10K | — | $10K | 14.76% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $3K | — | $3K | 4.92% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA LLC (T | 4010 OLEANDER DRIVE SUITE 11 WILMINGTON, NC 28403 | USABLE LIFE | $7K | — | $7K | 14.68% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | — | $2K | 4.89% |
| 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 | 14.69% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | — | $2K | 4.90% |
| MICHAEL J BRESLIN3 | PO BOX 2287 SKYLAND, NC 28776 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $814 | — | $814 | 2.49% |
| 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 | 14.95% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | — | $2K | 9.96% |
| 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 | 8.95% |
| MOSIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $1K | — | $1K | 8.77% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA LLC (T | 4010 OLEANDER DRIVE SUITE 11 WILMINGTON, NC 28403 | USABLE LIFE | $641 | — | $641 | 6.95% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $589 | — | $589 | 6.39% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA LLC (T | 4010 OLEANDER DRIVE WILMINGTON, NC 28403 | USABLE LIFE | $218 | — | $218 | 14.98% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $146 | — | $146 | 10.03% |
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 | 222 | 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) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 304 | $119K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 108 | $33K |
| Life insurance | USABLE LIFE | 233 | $70K |
| Long-term disability | USABLE LIFE | 233 | $45K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 330 | $558K |
| Other(6 contracts, 2 carriers) | USABLE LIFE | 233 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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.