| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES, INC. | 1616 EAST MILLBROOK ROAD, SUITE 250 RALEIGH, NC 27609 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $97K | — | $97K | 16.32% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES INC. | 1616 EAST MILLBROOK ROAD, SUITE 250 RALEIGH, NC 27609 | AMERICAN UNITED LIFE INSURANCE COMPANY | $20K | — | $20K | 9.48% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AMERICAN UNITED LIFE INSURANCE COMPANY | $6K | — | $6K | 2.86% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES, INC. | 1616 E MILLBROOK ROAD RALEIGH, NC 27609 | DELTA DENTAL OF NORTH CAROLINA | $6K | — | $6K | 3.27% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF NORTH CAROLINA | $2K | — | $2K | 1.30% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES | 1616 EAST MILLBROOK ROAD, SUITE 250 RALEIGH, NC 27609 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 10.30% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 843844 KANSAS CITY, MO 64184 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $210 | — | $210 | 0.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | P.O. BOX 9375 GREENSBORO, NC 27429 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $131 | — | $131 | 2.33% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES, INC. | 1616 E MILLBROOK ROAD, SUITE 250 RALEIGH, NC 27609 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.23% |
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 | 274 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 495 | $596K |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 509 | $187K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 413 | $25K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 275 | $212K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 275 | $212K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 275 | $212K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 495 | $596K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 275 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 509 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.