| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM F SALMON3 | 2301 SUGAR BUSH ROAD, SUITE 22 RALEIGH, NC 27612 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $69K | $0 | $69K | 4.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD STE 220 RALEIGH, NC 27612 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | $12K | $33K | 6.25% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 | PO BOX 12748 ROANOKE, VA 24028 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | — | $19K | 3.48% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | $2K | $25K | 5.40% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $1K | $17K | 10.69% |
| WORKPLACE SOLUTIONS, INC.3 | 120-A GILLS CREEK PKWY COLUMBIA, SC 29209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $50K | $8K | $58K | 38.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 SOUTH JEFFERSON ST ROANOKE, VA 24011 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37K | $4K | $41K | 27.70% |
| BOUDREAUX, BEAU, DAVID3 | 120-A GILLS CREEK PKWY COLUMBIA, SC 29209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 2.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD STE 220 RALEIGH, NC 276122956 | VSP | $3K | $0 | $3K | 3.11% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC | 2443 LYNN ROAD SUITE 208 RALEIGH, NC 276126759 | VSP | $448 | $0 | $448 | 0.40% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $436 | $3K | 5.76% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $587 | $5K | 11.20% |
| MARSH & MCLENNAN AGENCY LLC | PO BOX 32135 RICHMOND, VA 23294 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $26K | — | $26K | 64.35% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $451 | $4K | 11.40% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $191 | $4K | 15.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 2301 SUGAR BUSH ROAD, SUITE 22 RALEIGH, NC 27612 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $18K | — | $18K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MED COST BENEFIT SERVICES EIN 56-2056821 ADMINISTRATOR | Contract Administrator Service code 13 | 165 KIMEL PARK DR WINSTON-SALEM, NC 27103 | $9K |
| FLORES & ASSOCIATES, LLC EIN 56-1542307 ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 31397 CHARLOTTE, NC 282311397 | $6K |
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 | 958 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 958 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 958 | $1.5M |
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 524 | $467K |
| Vision(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 958 | $1.6M |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 881 | $593K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 146 | $49K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $32K |
| Prescription drug(2 contracts) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 958 | $1.5M |
| Other(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 881 | $367K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 958 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.