| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 606731298 | AETNA LIFE INSURANCE CO. | $16K | — | $16K | 3.76% |
| KIRBY INDUSTRIES INC.3 Filed as: KIRBY INDUSTRIES, INC. | 6114 WOOD CREEK COURT JUPITER, FL 33458 | AETNA LIFE INSURANCE CO. | $12K | — | $12K | 2.73% |
| SALEM BENEFITS GROUP INC3 Filed as: SALEM BENEFITS GROUP | 2990 BETHESDA PLACE WINSTON-SALEM, NC 27103 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 1.70% |
| KIRBY INDUSTRIES INC.3 Filed as: KIRBY INDUSTRIES, INC | 819 SW FEDERAL HWY STUART, FL 34994 | AETNA LIFE INSURANCE CO. | $6K | — | $6K | 1.45% |
| KIMBERLEY MARINUCCI3 | 100 N. CHERRY STREET SUITE 520 WINSTON-SALEM, NC 27101 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $363 | — | $363 | 0.09% |
| CAROLYN TAYLOR3 | 9501 PRECIOSA COURT JACKSONVILLE, FL 32222 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $37 | — | $37 | 0.01% |
| KIMBERLEY MARINUCCI3 | 100 N CHERRY STREET SUITE 520 WINSTON-SALEM, NC 27101 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $325 | — | $325 | 0.11% |
| CAROLYN TAYLOR3 | 9501 PRECIOSA COURT JACKSONVILLE, FL 32222 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $104 | — | $104 | 0.03% |
| KIRBY INDUSTRIES INC.3 | 6114 WOOD CREEK CT JUPITER, FL 33458 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | — | $25K | 12.96% |
| SALEM BENEFITS GROUP INC3 | 2990 BETHESDA PLACE SUITE 603 WINSTON-SALEM, NC 27103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 2.04% |
| KIMBERLEY MARINUCCI3 | 100 N CHERRY STREET SUITE 520 WINSTON-SALEM, NC 27101 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $208 | — | $208 | 0.14% |
| KIRBY INDUSTRIES INC.3 | 6114 WOOD CREEK CT JUPITER, FL 33458 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 13.88% |
| SALEM BENEFITS GROUP INC3 | 2990 BETHESDA PLACE SUITE 603 WINSTON-SALEM, NC 27103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.12% |
| KIMBERLEY MARINUCCI3 | 100 N CHERRY STREET SUITE 520 WINSTON-SALEM, NC 27101 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $142 | — | $142 | 0.13% |
| CAROLYN TAYLOR3 | 9501 PRECIOSA COURT JACKSONVILLE, FL 32222 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $34 | — | $34 | 0.04% |
| KIMBERLEY MARINUCCI3 | 100 N CHERRY STREET SUITE 520 WINSTON-SALEM, NC 27101 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $10 | — | $10 | 0.01% |
| KIRBY INDUSTRIES INC.3 | 6114 WOOD CREEK CT JUPITER, FL 33458 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 13.68% |
| SALEM BENEFITS GROUP INC3 | 2990 BETHESDA PLACE SUITE 603 WINSTON-SALEM, NC 27103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.32% |
| KIRBY INDUSTRIES INC.3 | 6114 WOOD CREEK CT JUPITER, FL 33458 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 12.78% |
| SALEM BENEFITS GROUP INC3 | 2990 BETHESDA PLACE SUITE 603 WINSTON-SALEM, NC 27103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.22% |
| KIRBY INDUSTRIES INC.3 | 6114 WOOD CREEK CT JUPITER, FL 33458 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 13.04% |
| SALEM BENEFITS GROUP INC3 | 2990 BETHESDA PLACE SUITE 603 WINSTON-SALEM, NC 27103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.96% |
| KIMBERLEY MARINUCCI3 | 100 N CHERRY STREET SUITE 520 WINSTON-SALEM, NC 27101 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $8 | — | $8 | 0.02% |
| CAROLYN TAYLOR3 | 9501 PRECIOSA COURT JACKSONVILLE, FL 32222 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $3 | — | $3 | 0.01% |
| KIRBY INDUSTRIES INC.3 | 6114 WOOD CREEK CT JUPITER, FL 33458 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 12.85% |
| SALEM BENEFITS GROUP INC3 | 2990 BETHESDA PLACE SUITE 603 WINSTON-SALEM, NC 27103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $774 | — | $774 | 2.15% |
| KIRBY INDUSTRIES INC.3 | 6114 WOOD CREEK CT JUPITER, FL 33458 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 11.90% |
| SALEM BENEFITS GROUP INC3 | 2990 BETHESDA PLACE SUITE 603 WINSTON-SALEM, NC 27103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $488 | — | $488 | 3.10% |
| KIMBERLEY MARINUCCI3 | 100 N CHERRY STREET SUITE 520 WINSTON-SALEM, NC 27101 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $22 | — | $22 | 0.15% |
| KIRBY INDUSTRIES INC.3 | 6114 WOOD CREEK CT JUPITER, FL 33458 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 12.50% |
| SALEM BENEFITS GROUP INC3 | 2990 BETHESDA PLACE SUITE 603 WINSTON-SALEM, NC 27103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $334 | — | $334 | 2.49% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $113 | $113 | 1.06% |
| KIRBY INDUSTRIES INC.3 | 6114 WOOD CREEK CT JUPITER, FL 33458 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY35 | $385 | — | $385 | 13.44% |
| SALEM BENEFITS GROUP INC3 | 2990 BETHESDA PLACE SUITE 603 WINSTON-SALEM, NC 27103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY35 | $45 | — | $45 | 1.57% |
| KIRBY INDUSTRIES INC.3 | 6114 WOOD CREEK CT JUPITER, FL 33458 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $343 | — | $343 | 13.41% |
| SALEM BENEFITS GROUP INC3 | 2990 BETHESDA PLACE SUITE 603 WINSTON-SALEM, NC 27103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $41 | — | $41 | 1.60% |
| KIRBY INDUSTRIES INC.3 | 6114 WOOD CREEK CT JUPITER, FL 33458 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $171 | — | $171 | 7.70% |
| SALEM BENEFITS GROUP INC3 | 2990 BETHESDA PLACE SUITE 603 WINSTON-SALEM, NC 27103 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $162 | — | $162 | 7.29% |
| KIRBY INDUSTRIES INC.3 | 6114 WOOD CREEK CT JUPITER, FL 33458 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $218 | — | $218 | 13.47% |
| SALEM BENEFITS GROUP INC3 | 2990 BETHESDA PLACE SUITE 603 WINSTON-SALEM, NC 27103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25 | — | $25 | 1.54% |
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 | 795 | 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) | 795 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(12 contracts) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 83 | $1.9M |
| Dental(9 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 990 | $1.6M |
| Vision(9 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 990 | $1.6M |
| Life insurance(7 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 461 | $259K |
| Short-term disability(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 265 | $226K |
| Long-term disability(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 224 | $183K |
| Prescription drug(12 contracts) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 83 | $1.9M |
| Other(13 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 205 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 990 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.