| 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 | $54K | — | $54K | 21.19% |
| MARSH & MCLENNAN AGENCY LLC3 | P. O. BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $3K | $14K | 15.54% |
| MARSH & MCLENNAN AGENCY LLC3 | P. O. BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $3K | $13K | 15.98% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $6K | 26.50% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $702 | $3K | 15.91% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $5K | 26.75% |
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 | 228 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 469 | $253K |
| Dental | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 469 | $253K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 469 | $253K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 332 | $18K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 198 | $91K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 173 | $81K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 469 | $253K |
| Other(4 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 469 | $310K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 469 | — |
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.