| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM F SALMON3 Filed as: WILLIAM SALMON | 2301 SUGAR BUSH ROAD SUITE 22 RALEIGH, NC 27612 | BLUE CROSS & BLUE SHIELD OF NORTH CAROLINA | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 9375 GREENSBORO, NC 27426 | STARMOUNT LIFE INSURANCE COMPANY | $19K | — | $19K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA GROUP INSURANCE | $6K | $1K | $8K | 11.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | 1031 W 4TH AVE SUITE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 7.59% |
| MARY ELLEN ESPOSITO3 | PO BOX 90891 RALEIGH, NC 27675 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.78% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DR #602 DURHAM, NC 27707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $683 | — | $683 | 1.26% |
| LARRY A WESTON JR3 | 209 BRISTOL COURT GREENVILLE, NC 27834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $120 | — | $120 | 0.22% |
| THE DIAMOND AGENCY LLC3 Filed as: THE DIAMOND AGENCY | 1017 ASHES DR STE 106 WILMINGTON, NC 28405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $112 | — | $112 | 0.21% |
| STEVEN W COOPER3 | 2400 DAVIS RD HILLSBOROUGH, NC 27278 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | — | $62 | 0.11% |
| TEATORS INS PROTECTION SERVICES3 | 519 SHERWOOD FOREST PLACE CARY, NC 27513 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.05% |
| GORDON K VANN3 | 2156 WESLEY LANE GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| LAUREN E SKINNER3 | 204 E ARLINGTON BLVD STE C GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| WILIAM L BAKER IV3 | 10716 MARTHA'S WAY RALEIGH, NC 27615 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| MELISSA ARMATIS3 Filed as: MELISSA RHODES | 306 ROLLINGWOOD DR NEWPORT, NC 28570 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| MATTHEW G BERGER3 Filed as: MATTHEW W PINER | 13633 WAVERTON LN HUNTERSVILLE, NC 28078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| GARY W GREENE3 | 1609 ARLINGTON BLVD STE 102 GREENVILLE, NC 27834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| CATHERINE L LEE3 | 10 NUN STREET WILMINGTON, NC 28401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| JANE W BARNHILL3 | 3721 HUDSON ROAD MASCOT, TN 37806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA GROUP INSURANCE | $3K | $503 | $4K | 11.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA GROUP INSURANCE | $3K | $532 | $4K | 11.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN | PO BOX 9375 GREENSBORO, NC 27426 | STARMOUNT LIFE INSURANCE COMPANY | $3K | — | $3K | 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 | 316 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF NORTH CAROLINA | 640 | $5.0M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 237 | $193K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 159 | $25K |
| Life insurance | CIGNA GROUP INSURANCE | 151 | $65K |
| Short-term disability | CIGNA GROUP INSURANCE | 153 | $33K |
| Long-term disability | CIGNA GROUP INSURANCE | 152 | $33K |
| Prescription drug | BLUE CROSS & BLUE SHIELD OF NORTH CAROLINA | 640 | $5.0M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS & BLUE SHIELD OF NORTH CAROLINA | 640 | $5.0M |
| Other | CIGNA GROUP INSURANCE | 151 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 640 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.