| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN R LYNCH3 | 777 CANAL VIEW BLVD. SUITE 100 ROCHESTER, ND 14623 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $33K | — | $33K | 4.14% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | NATIONWIDE | $13K | — | $13K | 5.74% |
| ASSURANCE AGENCY LTD3 | 20 NORTH MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | NATIONWIDE | $6K | — | $6K | 2.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 20 NORTH MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | NATIONWIDE | $3K | — | $3K | 1.29% |
| ASSURANCE AGENCY LTD3 | 20 NORTH MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | AMERITAS | $17K | — | $17K | 22.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 20 NORTH MARTINGALE ROAD STE 100 SCHAUMBURG, IL 60173 | AMERITAS | $8K | — | $8K | 10.22% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | AMERITAS | $3K | — | $3K | 3.50% |
| JOHN R LYNCH3 | 777 CANAL VIEW BLVD STE 100 ROCHESTER, NY 14623 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $1K | — | $1K | 2.84% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62937 VIRGINIA BEACH, VA 23466 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 10.59% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 100 SUMIT LAKE DRIVE SUITE 400 VALHALLA, NY 10595 | LEGAL ACCESS PLANS | $1K | — | $1K | 30.00% |
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 | 344 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 271 | $1.1M |
| Dental | AMERITAS | 275 | $75K |
| Vision(2 contracts, 2 carriers) | AMERITAS | 275 | $84K |
| Life insurance | NATIONWIDE | 222 | $222K |
| Short-term disability | NATIONWIDE | 222 | $222K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 271 | $859K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE | 222 | $222K |
| Other(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 271 | $863K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.