| 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 | $19K | — | $19K | 1.76% |
| RUSSELL C CARTER3 Filed as: RUSSELL C. CARTER | 2501 BLUE RIDGE RD STE 250 RALEIGH, NC 276076346 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $13K | — | $13K | 1.22% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE ATTACHED | — | TRANSAMERICA LIFE INSURANCE COMPANY | $29K | — | $29K | 34.12% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $889 | $6K | 7.29% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 N. KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $720 | $4K | 5.59% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | 2501 BLUE RIDGE RD STE 250 RALEIGH, NC 276076346 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.10% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $3K | $701 | $4K | 7.20% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | 4611 UNIVERSITY DRIVE DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 7.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | PO BOX 603438 CHARLOTTE, NC 28260 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 5.58% |
| SCOTT BENEFIT SERVICES3 | — | COMMUNITY EYE CARE | $624 | — | $624 | 3.80% |
| AGENTS OF COLONIAL (SEE ATTACHED)3 Filed as: AGENTS-SEE ATTACHED | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| STOVALL & ASSOCIATES INC.4 | 114 MARITIME CT CHOCOWINITY, NC 27817 | LEGAL SHIELD SERVICES INC DBA LEGAL SHIELD | $257 | — | $257 | 6.68% |
| LENWOOD MURPHY JR.4 | 1703 SUNSET AVE KINSTON, NC 28504 | LEGAL SHIELD SERVICES INC DBA LEGAL SHIELD | $173 | — | $173 | 4.50% |
| ALFRED HOLLOWELL4 | 906 OXFORD DR MOREHEAD CITY, NC 28557 | LEGAL SHIELD SERVICES INC DBA LEGAL SHIELD | $23 | — | $23 | 0.60% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE ATTACHED | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | $55 | $172 | 11.58% |
| TODD GERALD GECEWICZ3 | 216 W GANNON AVE ZEBULON, NC 27597 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 1.14% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 146 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 186 | $77K |
| Vision | COMMUNITY EYE CARE | 148 | $16K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 256 | $136K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 117 | $50K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 146 | $1.1M |
| Other(6 contracts, 5 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 256 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.