| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM F SALMON3 Filed as: WILLIAM SALMON | 2301 SUGAR BUSH ROAD, SUITE 22 RALEIGH, NC 27612 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $36K | $0 | $36K | 0.86% |
| WILLIAM F SALMON3 Filed as: WILLIAM SALMON | 2443 LYNN RD STE 208 RALEIGH, NC 27612 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $19K | $0 | $19K | 0.45% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $33K | $3K | $36K | 10.16% |
| THE BENEFIT COMPANY INC3 | PO BOX 23127 COLUMBIA, SC 29224 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 1.59% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19439 | SUN LIFE ASSURANCE COMPANY OF CANADA | $29K | $3K | $32K | 15.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 19.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN | SUITE 1800 GREENSBORO, NC 27409 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $102 | $0 | $102 | 0.58% |
| SECURITY MARKETING GROUP3 | 2201 WOOD CUTTER COURT RALEIGH, NC 27606 | TRUSTMARK INSURANCE COMPANY | $1K | $0 | $1K | 8.90% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD SUITE 600 RALEIGH, NC 27612 | TRUSTMARK INSURANCE COMPANY | $766 | $0 | $766 | 5.67% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES WARD | 4500 FT JACKSON BLVD SUITE 350 COLUMBIA, SC 29209 | TRUSTMARK INSURANCE COMPANY | $354 | $0 | $354 | 2.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 NORTH ELM ST SUITE 200 GREENSBORO, NC 27455 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 8.75% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: MARSH & MCLENNAN INS AGENCY LLC | PO BOX 12748 ROANOKE, VA 24028 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | $0 | $1K | 10.00% |
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 | 257 | 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) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 578 | $4.2M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 261 | $355K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 261 | $355K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 285 | $226K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 285 | $212K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 285 | $212K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 578 | $4.2M |
| Other(6 contracts, 5 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 578 | $4.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 578 | — |
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.