| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SONJA CALABRIA3 | 4505 FALLS OF NEUSE RD SUITE 650 RALEIGH, NC 27609 | BLUE CROSS & BLUE SHIELD OF NORTH CAROLINA | $12K | — | $12K | 0.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 9395 GREENSBORO, NC 27429 | NATIONAL GUARDIAN LIFE | $18K | — | $18K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN MARSH & MCLENNAN AGENCY | PO BOX 9395 GREENSBORO, NC 27429 | CIGNA GROUP INSURANCE | $7K | — | $7K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | PO BOX 9395 GREENSBORO, NC 27429 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 7.67% |
| MARY ELLEN ESPOSITO3 | PO BOX 90891 RALEIGH, NC 27675 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.59% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DR #602 DURHAM, NC 27707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $649 | — | $649 | 1.28% |
| STEVEN W COOPER3 | 2400 DAVIS RD HILLSBOROUGH, NC 27278 | CONTINENTAL AMERICAN INSURANCE COMPANY | $174 | — | $174 | 0.34% |
| LARRY A WESTON JR3 | 209 BRISTOL COURT GREENVILLE, NC 27834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $141 | — | $141 | 0.28% |
| NICHOLAS ESPOSITO3 | 801 MORATUCK DR APT 103 RALEIGH, NC 27604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $125 | — | $125 | 0.25% |
| TEATORS INS PROTECTION SERVICES3 | 519 SHERWOOD FOREST PLACE CARY, NC 27513 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | — | $36 | 0.07% |
| LAUREN E SKINNER3 | 204 E ARLINGTON BLVD STE C GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| GORDON K VANN3 | 2156 WESLEY LANE GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| WILIAM L BAKER IV3 | 8405 KEMPTON RD RALEIGH, NC 27615 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| MELISSA ARMATIS3 Filed as: MELISSA RHODES | 725 COPPERLINE DR GARNER, NC 27529 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| GARY W GREENE3 | 1609 ARLINGTON BLVD STE 102 GREENVILLE, NC 27834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| MATTHEW G BERGER3 Filed as: MATTHEW W PINER | 703 TIMBER LANE WILMINGTON, NC 28405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN MARSH & MCLENNAN AGENCY | PO BOX 9395 GREENSBORO, NC 27429 | CIGNA GROUP INSURANCE | $4K | — | $4K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN MARSH & MCLENNAN AGENCY | PO BOX 9395 GREENSBORO, NC 27429 | CIGNA GROUP INSURANCE | $4K | — | $4K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN | PO BOX 9395 GREENSBORO, NC 274290375 | NATIONAL GUARDIAN LIFE | $2K | — | $2K | 12.00% |
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 | 345 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF NORTH CAROLINA | 678 | $4.3M |
| Dental | NATIONAL GUARDIAN LIFE | 239 | $184K |
| Vision | NATIONAL GUARDIAN LIFE | 124 | $18K |
| Life insurance | CIGNA GROUP INSURANCE | 345 | $71K |
| Short-term disability | CIGNA GROUP INSURANCE | 147 | $36K |
| Long-term disability | CIGNA GROUP INSURANCE | 142 | $36K |
| Prescription drug | BLUE CROSS & BLUE SHIELD OF NORTH CAROLINA | 678 | $4.3M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS & BLUE SHIELD OF NORTH CAROLINA | 678 | $4.3M |
| Other | CIGNA GROUP INSURANCE | 345 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 678 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.