| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM F SALMON3 Filed as: WILLIAM F. SALMON | 2443 LYNN RD STE 208 RALEIGH, NC 27612 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $87K | $0 | $87K | 2.19% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 3.77% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 211486 COLUMBIA, SC 29221 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 2.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 W ELM ST SUITE 200 GREENSBORO, NC 27455 | HARTFORD LIFE AND ACCIDENT | $20K | $0 | $20K | 11.13% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | 4611 UNIVERSITY DR DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | $0 | $12K | $12K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $5K | $5K | 2.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 0.87% |
| THE BENEFIT COMPANY INC3 | P O BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 11.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD STE 600 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 8.72% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS INC | PO BOX 896620 CHARLOTTE, NC 28217 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, MARSH & MCLENNAN | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $334 | $334 | 0.75% |
| MCGRIFF INSURANCE SERVICES INC3 | 3318 WEST FRIENDLY AVENUE GREENSBORO, NC 27410 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 | ATTN EMPLOYEE BENEFITS PO BOX 168 WINSTON-SALEM, NC 27102 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $530 | $0 | $530 | 4.00% |
| BB&T INSURANCE SERVICES, INC.4 Filed as: BB&T INSURANCE SERVICES | 2000 CENTER POINT RD STE 2400 COLUMBIA, SC 29210 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $165 | $0 | $165 | 14.84% |
| AARON N CLINARD4 | PO BOX 6414 HIGH POINT, NC 27262 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $49 | $0 | $49 | 4.41% |
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 | 289 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 636 | $4.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 886 | $213K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 886 | $213K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 257 | $176K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 257 | $176K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 257 | $176K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 636 | $4.0M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 257 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 886 | — |
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.