| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARRY L. HILL3 | — | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $33K | — | $33K | 0.99% |
| MARSH & MCLENNAN AGENCY LLC3 | — | THE HARTFORD | $114K | — | $114K | 21.77% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | — | THE HARTFORD | — | $37K | $37K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 | — | THE HARTFORD | $0 | $13K | $13K | 2.41% |
| BARRY L. HILL3 | — | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $4K | — | $4K | 1.03% |
| BARRY L. HILL3 | — | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $4K | — | $4K | 1.40% |
| BARRY L. HILL3 | — | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $4K | — | $4K | 1.48% |
| CURTIS EPP3 | — | DELTA DENTAL OF NORTH CAROLINA | $13K | — | $13K | 8.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | — | GENWORTH LIFE INSURANCE COMPANY | $16K | — | $16K | 19.38% |
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 | 205 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 471 | $4.3M |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 422 | $147K |
| Vision(5 contracts) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 471 | $4.3M |
| Life insurance | THE HARTFORD | 302 | $525K |
| Short-term disability | THE HARTFORD | 302 | $525K |
| Long-term disability | THE HARTFORD | 302 | $525K |
| Prescription drug(5 contracts) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 471 | $4.3M |
| Other(2 contracts, 2 carriers) | THE HARTFORD | 302 | $607K |
| 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."
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.