| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID BELL3 | — | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $30K | — | $30K | 2.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | PRINCIPAL LIFE INSURANCE COMPANY | $14K | — | $14K | 12.26% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | — | PRINCIPAL LIFE INSURANCE COMPANY | — | $5K | $5K | 4.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | USABLE LIFE | $3K | $2K | $5K | 14.36% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | — | USABLE LIFE | $2K | — | $2K | 6.93% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | USABLE LIFE | $4K | $2K | $6K | 21.05% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | — | USABLE LIFE | $2K | — | $2K | 6.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | USABLE LIFE | $2K | $1K | $3K | 14.25% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | — | USABLE LIFE | $2K | — | $2K | 6.92% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | USABLE LIFE | $3K | $1K | $4K | 19.98% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | — | USABLE LIFE | $1K | — | $1K | 6.88% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | USABLE LIFE | $1K | $491 | $2K | 14.39% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | — | USABLE LIFE | $756 | — | $756 | 6.92% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 217 | $1.5M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 217 | $116K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 217 | $116K |
| Life insurance(2 contracts) | USABLE LIFE | 143 | $53K |
| Short-term disability(2 contracts) | USABLE LIFE | 80 | $31K |
| Long-term disability | USABLE LIFE | 109 | $35K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 198 | $1.4M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 217 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.