| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JONATHAN W. COOPER3 | 11215 NORTH COMMUNITY HOUSE ROAD SUITE 100 CHARLOTTE, NC 28277 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $52K | $0 | $52K | 2.14% |
| RELATION INSURANCE INC3 Filed as: RELATION INSURANCE | 11215 NORTH COMMUNITY HOUSE ROAD SUITE 100 CHARLOTTE, NC 28277 | HARTFORD LIFE AND ACCIDENT | $16K | $0 | $16K | 15.09% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | 4611 UNIVERSITY DRIVE DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | $0 | $7K | $7K | 7.04% |
| RELATION INSURANCE INC3 Filed as: RELATION INSURANCE | 5821 FAIRVIEW ROAD CHARLOTTE, NC 28209 | AETNA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 25.92% |
| RELATION INSURANCE INC3 Filed as: RELATION INSURANCE | 700 SE CENTRAL PARKWAY STUART, FL 34994 | USABLE LIFE | $343 | $0 | $343 | 13.74% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $250 | $0 | $250 | 10.01% |
| RELATION INSURANCE INC3 Filed as: RELATION INSURANCE | 11215 NORTH COMMUNITY HOUSE ROAD SUITE 100 CHARLOTTE, NC 28277 | USABLE LIFE | $32 | $0 | $32 | 1.28% |
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 | 201 | 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) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 653 | $2.4M |
| Dental | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 653 | $2.4M |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 653 | $2.4M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 209 | $109K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 186 | $125K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 186 | $125K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 653 | $2.4M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 209 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 653 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.