| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSHUA F. WILLIAMS3 | PO BOX 2287 SKYLAND, NC 28776 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $143K | — | $143K | 3.80% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $6K | — | $6K | 14.91% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 4010 OLEANDER DR., STE. 11 WILMINGTON, NC 28403 | USABLE LIFE | $4K | $804 | $5K | 11.87% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $1K | — | $1K | 10.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 4010 OLEANDER DR., STE. 11 WILMINGTON, NC 28403 | USABLE LIFE | $940 | — | $940 | 7.00% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $1K | — | $1K | 17.28% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 4010 OLEANDER DR., STE. 11 WILMINGTON, NC 28403 | USABLE LIFE | $829 | $302 | $1K | 15.48% |
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 | 390 | 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) | 392 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 658 | $3.8M |
| Dental | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 658 | $3.8M |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 658 | $3.8M |
| Life insurance | USABLE LIFE | 390 | $13K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 658 | $3.8M |
| Other(2 contracts) | USABLE LIFE | 220 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 658 | — |
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.