| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT M. MCLEAN3 | PO BOX 1889 FORT MILL, SC 29716 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $42K | — | $42K | 3.54% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE ATTACHMENT | — | AFLAC | $21K | $3K | $24K | 19.11% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $2K | $10K | 11.84% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $6K | $217 | $7K | 11.65% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | 4611 UNIVERSITY DRIVE DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 7.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | COMMUNITY EYE CARE | $2K | — | $2K | 10.00% |
| STOVALL & ASSOCIATES INC.4 | 221 PORT ROYAL PL GREENVILLE, NC 27858 | LEGAL SHIELD SERVICES INC DBA LEGAL SHIELD | $738 | — | $738 | 11.66% |
| LENWOOD MURPHY JR.4 | 1703 SUNSET AVE KINSTON, NC 28504 | LEGAL SHIELD SERVICES INC DBA LEGAL SHIELD | $339 | — | $339 | 5.36% |
| ALFRED HOLLOWELL4 | 96 OXFORD DR MOREHEAD CITY, NC 28557 | LEGAL SHIELD SERVICES INC DBA LEGAL SHIELD | $197 | — | $197 | 3.11% |
| DESHA96 OXFORD DR HOLLOWELL4 | 96 OXFORD DR MOREHEAD, NC 28557 | LEGAL SHIELD SERVICES INC DBA LEGAL SHIELD | $48 | — | $48 | 0.76% |
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 | 149 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 188 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 225 | $85K |
| Vision | COMMUNITY EYE CARE | 177 | $16K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 145 | $56K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 145 | $56K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 188 | $1.2M |
| Other(3 contracts, 3 carriers) | AFLAC | 145 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.