| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PERRY L. LAYMON3 | 5700 OLEANDER DR WILMINGTON, NC 28403 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $71K | — | $71K | 3.96% |
| LAYMON GROUP BENEFIT CONSULTING3 | 5700 OLEANDER DR WILMINGTON, NC 28403 | HARTFORD LIFE AND ACCIDENT | $23K | — | $23K | 13.87% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | 4611 UNIVERSITY DR. DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | — | $11K | $11K | 6.47% |
| LAYMON GROUP BENEFIT CONSULTING3 | 5700 OLEANDER DR WILMINGTON, NC 28403 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 9.99% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1060 BROADWAY SUITE 400 ALBANY, NY 12204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 5.01% |
| LAYMON GROUP BENEFIT CONSULTING3 Filed as: LAYMON GROUP, INC. | 5700 OLEANDER DR WILMINGTON, NC 28403 | COMMUNITY EYE CARE | $4K | — | $4K | 10.00% |
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 | 361 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 401 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 256 | $138K |
| Vision | COMMUNITY EYE CARE | 471 | $36K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 361 | $166K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 361 | $166K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 361 | $166K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 401 | $1.8M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 401 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 471 | — |
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.