| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM F SALMON3 Filed as: WILLIAM SALMON | 2301 SUGAR BUSH ROAD STE 220 RALEIGH, NC 27612 | BLUE CROSS & BLUE SHIELD OF NORTH CAROLINA | $11K | — | $11K | 1.07% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 274290375 | STARMOUNT LIFE INSURANCE COMPANY | $28K | $0 | $28K | 10.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD SUITE 220 RALEIGH, NC 27612 | STARMOUNT LIFE INSURANCE COMPANY | — | $14K | $14K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN A MARSH & MCLENNAN AGENCY | 161 WASHINGTON ST STE1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | — | $14K | 15.00% |
| MARY E ESPOSITO3 | 4020 LILA BLUE LN RALEIGH, NC 276126955 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 12.49% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 2 GLENMORE DR DURHAM, NC 27707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.97% |
| RYAN SCOTT SHADEL3 | 3100 BLUFF LN HILLSBOROUGH, NC 27278 | CONTINENTAL AMERICAN INSURANCE COMPANY | $608 | — | $608 | 0.66% |
| MICHAEL S WITHROW3 Filed as: MICHAEL SHANE WITHROW | 1104 ALSTON MANOR ST CARY, NC 27519 | CONTINENTAL AMERICAN INSURANCE COMPANY | $222 | — | $222 | 0.24% |
| STEVEN W COOPER3 | 2400 DAVIS RD HILLSBOROUGH, NC 27278 | CONTINENTAL AMERICAN INSURANCE COMPANY | $81 | — | $81 | 0.09% |
| TEATORS INS PROTECTION SERVICES3 Filed as: TEATORS INSURANCE PROTECTION SVCS | 228 WOODFIELD CT FUQUAY VARINA, NC 275265650 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.04% |
| WILLIAM L BAKER IV3 Filed as: WILLIAM L BAKER | 10716 MARTHAS WAY STE 205 RALEIGH, NC 27615 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MATTHEW G BERGER3 Filed as: MATTHEW W PINER | 907 PORT ROYAL CT NEW BERN, NC 27616 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| GORDON K VANN3 | 2156 WESLEY LN GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| LAUREN E SKINNER3 | 700 SWAN NECK LN RALEIGH, NC 27615 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MARK E ESPOSITO3 Filed as: MARK EUGENE ESPOSITO | 1212 GATLING ST FUQUAY VARINA, NC 27610 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| JANE W BARNHILL3 Filed as: JANE WARREN BARNHILL | 3721 HUDSON RD MASCOT, TN 37806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| THE DIAMOND AGENCY LLC3 | 1017 ASHES DR STE 106 WILMINGTON, NC 28405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC Filed as: SENN DUNN A MARSH & MCLENNAN AGENCY | 161 WASHINGTON ST STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN A MARSH & MCLENNAN AGENCY | 161 WASHINGTON ST STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 10.00% |
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 | 381 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 382 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF NORTH CAROLINA | 788 | $1.0M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 330 | $276K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 330 | $276K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 407 | $118K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 210 | $62K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 220 | $64K |
| Prescription drug | BLUE CROSS & BLUE SHIELD OF NORTH CAROLINA | 788 | $1.0M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS & BLUE SHIELD OF NORTH CAROLINA | 788 | $1.0M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 407 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 788 | — |
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.