| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM F SALMON3 Filed as: WILLIAM F. SALMON | 2301 SUGAR BUSH ROAD SUITE 22 RALEIGH, NC 27612 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $84K | $0 | $84K | 1.96% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $55K | $69K | $125K | 19.65% |
| PROGRESSIVE BENEFIT SOL3 | A MARSH MCLENNAN AGCY 2301 SUGAR BUSH RD#200 RALEIGH, NC 27612 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $2K | $0 | $2K | 5.14% |
| PROGRESSIVE BENEFIT SOL3 | A MARSH MCLENNAN 2301 SUGAR BUSH #220 RALEIGH, NC 27612 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $2K | $0 | $2K | 4.94% |
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 | 378 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 802 | $4.3M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 378 | $634K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 719 | $43K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 378 | $634K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 378 | $634K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 378 | $634K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 802 | $4.3M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 378 | $634K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 802 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.