| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT MARK MCLEAN | PO BOX 1889 FORT MILL, SC 29716 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $77K | — | $77K | 5.45% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $22K | — | $22K | 12.20% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $8K | $19K | 15.45% |
| THE CASON GROUP INC3 Filed as: THE CASON GORUP INC. | 1612 MARION ST. COLUMBIA, SC 292012939 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 6.43% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | PO BOX 2291 DURHAM, NC 277022291 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 5.23% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 194 | $1.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 295 | $121K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 295 | $121K |
| Life insurance | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 0 | $181K |
| Short-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 0 | $181K |
| Long-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 0 | $181K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 194 | $1.4M |
| Other(2 contracts, 2 carriers) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 295 | $302K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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.