| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TERRY L LYONS3 | 1907 RENFORD DRIVE COLLEYVILLE, TX 76034 | BLUECROSS BLUESHIELD OF NORTH CAROLINA | $112K | — | $112K | 8.97% |
| MELISSA NELSON3 | 2301 SUGAR BUSH ROAD - SUITE 22 RALEIGH, NC 27612 | BLUECROSS BLUESHIELD OF NORTH CAROLINA | $24K | — | $24K | 1.93% |
| RSC INSURANCE BROKERAGE INC3 | 15233 VENTURA BLVD - #1020 SHERMAN OAKS, CA 91403 | GUARDIAN LIFE INSURANCE COMPANY | $16K | $2K | $18K | 14.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM STREET GREENSBORO, NC 27455 | GUARDIAN LIFE INSURANCE COMPANY | $6K | — | $6K | 4.62% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W - STE 320 STE 118 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22K | $5K | $27K | 22.78% |
| MARSH & MCLENNAN AGENCY LLC5 | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $13K | $13K | 10.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 17335 GOLF PKWY- STE 450 BROOKFIELD, WI 53045 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $7K | $9K | 7.38% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W- STE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $5K | $24K | 23.06% |
| MARSH & MCLENNAN AGENCY LLC5 | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $13K | $13K | 11.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 17335 GOLF PKWY-STE 450 BROOKFIELD, WI 53045 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $5K | $7K | 6.55% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W - STE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $4K | $18K | 22.67% |
| MARSH & MCLENNAN AGENCY LLC5 | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $13K | $13K | 15.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 17335 GOLF PKWY-STE 450 BROOKFIELD, WI 53045 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $5K | $7K | 8.31% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W - STE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $12K | 15.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 17335 GOLF PKWY - STE 450 BROOKFIELD, WI 53045 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $808 | $5K | $6K | 7.91% |
| RUTH A ANDERSON4 | 331 S FAYETTEVILLE ST CLAYTON, NC 27520 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 14.45% |
| SDM&R, INC DBA SENN DUNN INSURANCE4 | PO BOX 9375 GREENSBORO, NC 27429 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 9.43% |
| RSC INSURANCE BROKERAGE INC4 | 160 FEDERAL STREET BOSTON, MA 02110 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $105 | — | $105 | 0.61% |
| ASSUREDPARTNERS5 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W, STE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $469 | $2K | 15.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 17335 GOLF PKWY-STE 450 BROOKFIELD, WI 53045 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $102 | $631 | $733 | 7.16% |
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 | 2,662 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,665 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF NORTH CAROLINA | 972 | $1.2M |
| Dental | BLUECROSS BLUESHIELD OF NORTH CAROLINA | 972 | $1.2M |
| Vision | BLUECROSS BLUESHIELD OF NORTH CAROLINA | 972 | $1.2M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,662 | $226K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 221 | $80K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $85K |
| Prescription drug | BLUECROSS BLUESHIELD OF NORTH CAROLINA | 972 | $1.2M |
| Other(7 contracts, 4 carriers) | BLUECROSS BLUESHIELD OF NORTH CAROLINA | 2,662 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,662 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.