| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN FOLEY3 | PO BOX 31817 CHARLOTTE, NC 28231 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $32K | — | $32K | 3.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | USABLE LIFE | $11K | — | $11K | 10.81% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $6K | — | $6K | 5.81% |
| BRIAN FOLEY3 | PO BOX 31817 CHARLOTTE, NC 28231 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $2K | — | $2K | 3.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 146 | $989K |
| Dental | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 188 | $63K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 118 | $14K |
| Life insurance | USABLE LIFE | 126 | $99K |
| Short-term disability | USABLE LIFE | 126 | $99K |
| Long-term disability | USABLE LIFE | 126 | $99K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 146 | $989K |
| Other | USABLE LIFE | 126 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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."
No prospect flags tripped on this filing.