| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM AUTRY3 | 3129 COLEMAN ROAD FAYETTEVILLE, NC 28312 | USABLE LIFE | $4K | $0 | $4K | 15.00% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $3K | $0 | $3K | 10.00% |
| WILLIAM AUTRY3 | 3129 COLEMAN ROAD FAYETTEVILLE, NC 28312 | USABLE LIFE | $3K | $0 | $3K | 15.00% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | $0 | $2K | 10.00% |
| WILLIAM AUTRY3 | 3129 COLEMAN ROAD FAYETTEVILLE, NC 28312 | USABLE LIFE | $933 | $0 | $933 | 9.99% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $467 | $0 | $467 | 5.00% |
| WILLIAM AUTRY3 | 3129 COLEMAN ROAD FAYETTEVILLE, NC 28312 | USABLE LIFE | $839 | $0 | $839 | 9.31% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $772 | $0 | $772 | 8.56% |
| WILLIAM AUTRY3 | 3129 COLEMAN ROAD FAYETTEVILLE, NC 28312 | USABLE LIFE | $906 | $0 | $906 | 15.00% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $423 | $0 | $423 | 7.01% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $483 | $0 | $483 | 13.77% |
| WILLIAM AUTRY3 | 3129 COLEMAN ROAD FAYETTEVILLE, NC 28312 | USABLE LIFE | $322 | $0 | $322 | 9.18% |
| WILLIAM AUTRY3 | 3129 COLEMAN ROAD FAYETTEVILLE, NC 28312 | USABLE LIFE | $233 | $0 | $233 | 14.98% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $155 | $0 | $155 | 9.97% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | USABLE LIFE | 100 | $25K |
| Long-term disability | USABLE LIFE | 13 | $6K |
| Other(5 contracts) | USABLE LIFE | 132 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.