| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM F SALMON3 Filed as: WILLIAM SALMON | 100 ST ALBANS DR STE 100 RALEIGH, NC 27609 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $102K | $0 | $102K | 2.46% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $41K | $4K | $45K | 11.84% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $0 | $7K | 1.75% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19439 | SUN LIFE ASSURANCE COMPANY OF CANADA | $21K | $2K | $22K | 14.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 19.13% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3318 W FRIENDLY AVE STE 400 GREENSBORO, NC 27410 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $102 | $0 | $102 | 0.65% |
| 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% |
| AARON N CLINARD4 | PO BOX 6414 HIGH POINT, NC 27262 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $531 | $0 | $531 | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 NORTH ELM ST STE 200 GREENSBORO, NC 27455 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 17.50% |
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 | 302 | 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) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 694 | $4.1M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 294 | $379K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 294 | $379K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 341 | $159K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 341 | $159K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 341 | $159K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 694 | $4.1M |
| Other(6 contracts, 5 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 694 | $4.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 694 | — |
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.
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.