| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN N ARMINIO3 Filed as: JOHN N. ARMINIO | 4401 NORTHSIDE PARKWAY STE 800 ATLANTA, GA 30327 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $24K | — | $24K | 2.38% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PARKWAY NW STE 800 ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $26K | — | $26K | 12.33% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PARKWAY NW SUITE 800 ATLANTA, GA 30327 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 33.48% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NC LLC | 530 N. TRADE ST. NW SUITE 302 WINSTON-SALEM, NC 27101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $352 | — | $352 | 4.00% |
| MICHAEL MINER3 | 301 N. MAIN ST. SUITE 1030 WINSTON-SALEM, NC 27101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $64 | — | $64 | 0.73% |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 232 | $1.0M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $214K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $214K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $214K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $214K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $214K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 232 | $1.0M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.