| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID TATE3 Filed as: DAVID D DOW JR. | 333 N GREENE ST STE 400 GREENBORO, NC 27401 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $5K | — | $5K | 8.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | USABLE LIFE | $2K | — | $2K | 7.04% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $1K | — | $1K | 5.00% |
| BANYAN CONSULTING GROUP INC3 | 333 N. GREENS ST STE 400 GREENSBORO, NC 27401 | USABLE LIFE | $676 | — | $676 | 2.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | USABLE LIFE | $1K | — | $1K | 7.07% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $1K | — | $1K | 5.00% |
| BANYAN CONSULTING GROUP INC3 | 333 N. GREENE ST STE 400 GREENSBORO, NC 27401 | USABLE LIFE | $610 | — | $610 | 2.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | USABLE | $1K | — | $1K | 7.04% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | PO BOX 2291 DURHAM, NC 27702 | USABLE | $945 | — | $945 | 5.00% |
| BANYAN CONSULTING GROUP INC3 | 333 N. GREENE ST STE 400 GREENSBORO, NC 27401 | USABLE | $560 | — | $560 | 2.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 300 METARIE, LA 70002 | USABLE LIFE | $727 | — | $727 | 10.55% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $689 | — | $689 | 9.99% |
| BANYAN CONSULTING GROUP INC3 | 333 N GREENE STREET SUITE 101 GREENSBORO, NC 27401 | USABLE LIFE | $307 | $65 | $372 | 5.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | USABLE LIFE | $92 | — | $92 | 10.64% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $87 | — | $87 | 10.06% |
| BANYAN CONSULTING GROUP INC3 | 333 N GREENE ST STE 301 GREENSBORO, NC 27401 | USABLE LIFE | $38 | $10 | $48 | 5.55% |
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 | 246 | 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) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 550 | $67K |
| Life insurance(2 contracts) | USABLE LIFE | 246 | $28K |
| Short-term disability | USABLE LIFE | 179 | $23K |
| Long-term disability | USABLE | 179 | $19K |
| Other(3 contracts, 2 carriers) | USABLE LIFE | 246 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 550 | — |
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.