| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHELSEN BENEFITS GROUP, INC.3 Filed as: MICHELSEN, SEAN T | 1901 ROXBOROUGH ROAD, SUITE 300 CHARLOTTE, NC 28211 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $130K | $0 | $130K | 2.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATION SERVICES SE INC | PO BOX 785700 PHILADELPHIA, PA 191785700 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $0 | $21K | 9.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES, INC | 1250 S CAPITAL OF TX HWY B.2 STE125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.83% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | 1901 ROXBOROUGH ROAD, SUITE 300 CHARLOTTE, NC 28211 | USABLE LIFE | $29K | $3K | $32K | 16.28% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $10K | $0 | $10K | 4.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | 1901 ROXBOROUGH ROAD, SUITE 300 CHARLOTTE, NC 28211 | USABLE LIFE | $17K | $2K | $19K | 22.37% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $9K | $0 | $9K | 9.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | 1901 ROXBOROUGH ROAD, SUITE 300 CHARLOTTE, NC 28211 | USABLE LIFE | $8K | $763 | $9K | 16.38% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $3K | $0 | $3K | 5.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | 1901 ROXBOROUGH ROAD, SUITE 300 CHARLOTTE, NC 28211 | USABLE LIFE | $5K | $494 | $6K | 16.34% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | $0 | $2K | 4.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | 1901 ROXBOROUGH ROAD, SUITE 300 CHARLOTTE, NC 28211 | USABLE LIFE | $2K | $307 | $2K | 23.06% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $1K | $0 | $1K | 10.03% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 2851 CHARLEVOIX DR SE STE 220 GRAND RAPIDS, MI 49546 | STARMOUNT LIFE INSURANCE COMPANY | $157 | $22 | $179 | 13.67% |
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 | 356 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 356 | $4.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 832 | $214K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 1 | $1K |
| Life insurance | USABLE LIFE | 381 | $36K |
| Short-term disability | USABLE LIFE | 381 | $197K |
| Long-term disability | USABLE LIFE | 210 | $56K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 356 | $4.5M |
| Other(4 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 381 | $4.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 832 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.