| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT CONTROLS OF THE CAROLINAS3 Filed as: BENEFIT CONTROLS OF CAROLINAS | 8049 CORPORATE CENTER DRIVE CHARLOTTE, NC 28226 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $48K | — | $48K | 4.71% |
| NEW HEALTH LLC3 Filed as: NEW HEALTH, LLC | 6000 FAIRVIEW ROAD, SUITE 400 CHARLOTTE, NC 28210 | USABLE LIFE | $3K | — | $3K | 17.02% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | — | $2K | 10.43% |
| BENEFIT CONTROLS OF THE CAROLINAS3 Filed as: BENEFIT CONTROLS OF CAROLINAS | 8049 CORPORATE CENTER DRIVE CHARLOTTE, NC 28226 | USABLE LIFE | $1K | — | $1K | 6.58% |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 215 | $1.0M |
| Dental | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 215 | $1.0M |
| Life insurance | USABLE LIFE | 149 | $16K |
| Short-term disability | USABLE LIFE | 149 | $16K |
| Long-term disability | USABLE LIFE | 149 | $16K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 215 | $1.0M |
| Other | USABLE LIFE | 149 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.