Filings through .
| Carrier | Coverage | Premium, renewal |
|---|---|---|
HealthRxDentalVisionPPOOther | HealthRxDentalVisionPPOOther | Pro |
Broker: Marsh & McLennan Agency LLC LifeSTDLTDOther | LifeSTDLTDOther | Pro |
Broker: Marsh & McLennan Agency LLC STDIndemnityOther | STDIndemnityOther | Pro |
See premium, retention and renewal dates for 3 contracts with Pro.
Pro shows premium, covered lives, retention, contract numbers and the renewal date for each contract. Free for 7 days, no card. Then $49 a month. Cancel any time.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| VIMLY BENEFITS SOLUTIONS, INC. NONE | Claims processing; Trustee (discretionary); Contract Administrator Service code 12 | 12121 HARBOUR REACH DRIVE SUITE 105 MUKILTEO, WA 98275 | $140K |
| MARSH & MCLENNAN AGENCY LLC NONE | Custodial (securities); Consulting (pension) Service code 17 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | $64K |
| NC CENTER FOR NON PROFITS ASSOCIATI EIN 33-1532963 NONE | Investment advisory (plan); Contract Administrator Service code 13 | 5800 FARINGDON PLACE RALEIGH, NC 27609 | $22K |
| BROOKS PIERCE EIN 56-0561489 NONE | Securities brokerage Service code 33 | P.O. BOX 26032 GREENSBORO, NC 27420 | $14K |
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 | 1,025 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,032 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 605 | $2.7M |
| Dental | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 605 | $2.7M |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 605 | $2.7M |
| Life insurance | AMERICA UNITED LIFE INSURANCE COMPANY | 49 | $113K |
| Short-term disability(2 contracts, 2 carriers) | AMERICA UNITED LIFE INSURANCE COMPANY | 54 | $128K |
| Long-term disability | AMERICA UNITED LIFE INSURANCE COMPANY | 49 | $113K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 605 | $2.7M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 605 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 605 | — |
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 comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultant sales target.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan is either richly funded or stuck with a bad rate.
Multiple-employer welfare arrangement. It has its own regulatory and compliance rules.
Schedule A changed between filings. The plan moved between insured and self-funded, or contracts were added or removed. The transition window is open.