| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENJAMIN DOBSON3 | — | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $113K | — | $113K | 1.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | STARMOUNT LIFE INSURANCE COMPANY | $37K | $18K | $55K | 15.16% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $22K | $22K | 7.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $14K | $14K | 5.01% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $15K | $15K | 9.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $9K | $11K | 6.62% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNUM INSURANCE COMPANY | $10K | $2K | $12K | 24.65% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | — | UNUM INSURANCE COMPANY | — | $3K | $3K | 5.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNUM INSURANCE COMPANY | $5K | $1K | $7K | 25.00% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | — | UNUM INSURANCE COMPANY | — | $1K | $1K | 5.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNUM INSURANCE COMPANY | $5K | $1K | $6K | 24.94% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | — | UNUM INSURANCE COMPANY | — | $1K | $1K | 4.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLORES AND ASSOCIATES EIN 56-1542307 FSA ADM | Contract Administrator Service code 13 | — | $7K |
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 | 743 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 61 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 807 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 917 | $7.7M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 566 | $362K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 566 | $362K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 743 | $171K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 746 | $270K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 746 | $270K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 917 | $7.6M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 743 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 917 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.