| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 Filed as: PROGRESSIVE BENEFIT SOLUTIONS | 2443 LYNN ROAD #208 RALEIGH, NC 27612 | BLUE CROSS BLUE SHIELD OF NC | $33K | $1K | $34K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ONE SOUTH JEFFERSON ST ROANOKE, VA 24028 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 9.08% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ONE SOUTH JEFFERSON ROANOKE, VA 24028 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.71% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $1K | — | $1K | 10.04% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 Filed as: PROGRESSIVE BENEFIT SOLUTIONS | 2443 LYNN ROAD #208 RALEIGH, NC 27612 | USABLE LIFE | $1K | — | $1K | 9.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | PO BOX 9375 GREENSBORO, NC 27429 | USABLE LIFE | $638 | — | $638 | 5.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 2443 LYNN ROAD #208 RALEIGH, NC 27612 | USABLE LIFE | $809 | — | $809 | 9.86% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $450 | — | $450 | 5.49% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $105 | — | $105 | 10.13% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 Filed as: PROGRESSIVE BENEFIT SOLUTIONS | 2443 LYNN ROAD #208 RALEIGH, NC 27612 | USABLE LIFE | $91 | — | $91 | 8.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | PO BOX 9375 GREENSBORO, NC 27429 | USABLE LIFE | $67 | — | $67 | 6.46% |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NC | 263 | $860K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 71 | $35K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 48 | $20K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NC | 263 | $860K |
| Other(3 contracts) | USABLE LIFE | 178 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.