| 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 | $13K | — | $13K | 1.05% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $29K | — | $29K | 10.01% |
| 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 | $13K | — | $13K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NIA GROUP A MARSH & MCLENNAN AGENCY | 161 WASHINGTON ST STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 1.27% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD STE 600 RALEIGH, NC 27612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | — | $15K | 12.48% |
| MARY E ESPOSITO3 | PO BOX 90891 RALEIGH, NC 27675 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 9.21% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 2 GLENMORE DR DURHAM, NC 27707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.25% |
| RYAN SCOTT SHADEL3 | 3100 BLUFF LN HILLSBOROUGH, NC 27278 | CONTINENTAL AMERICAN INSURANCE COMPANY | $796 | — | $796 | 0.65% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DR #602 DURHAM, NC 27707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $132 | — | $132 | 0.11% |
| TEATORS INS PROTECTION SERVICES3 Filed as: TEATORS INSURANCE PROTECTION SVCS | 519 SHERWOOD FOREST PLACE CARY, NC 27513 | CONTINENTAL AMERICAN INSURANCE COMPANY | $127 | — | $127 | 0.10% |
| STEVEN W COOPER3 | 2400 DAVIS RD HILLSBOROUGH, NC 27278 | CONTINENTAL AMERICAN INSURANCE COMPANY | $85 | — | $85 | 0.07% |
| MICHAEL S WITHROW3 | 1673 SAWGRASS DR PALM BAY, FL 32908 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.03% |
| WILLIAM L BAKER IV3 Filed as: WILLIAM L BAKER | 10716 MARTHAS WAY RALEIGH, NC 27615 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| MATTHEW G BERGER3 Filed as: MATTHEW W PINER | 907 PORT ROYAL CT NEW BERN, NC 28560 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| GORDON K VANN3 | 2156 WESLEY LN GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| LAUREN E SKINNER3 | 204 E ARLINGTON BLVD SUITE C GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MARK E ESPOSITO3 Filed as: MARK ESPOSITO | 1212 GATLING ST RALEIGH, NC 27610 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MELISSA ARMATIS3 Filed as: MELISSA RHODES | 306 ROLLINGWOOD DR NEWPORT, NC 28570 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 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 | $7K | — | $7K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NIA GROUP A MARSH & MCLENNAN AGENCY | 161 WASHINGTON ST STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $831 | $831 | 1.17% |
| 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 | $7K | — | $7K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NIA GROUP A MARSH & MCLENNAN AGENCY | 161 WASHINGTON ST STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $809 | $809 | 1.21% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 274290375 | STARMOUNT LIFE INSURANCE COMPANY | $8K | — | $8K | 15.37% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD SUITE 220 RALEIGH, NC 27612 | STARMOUNT LIFE INSURANCE COMPANY | $2K | — | $2K | 3.00% |
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 | 377 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF NORTH CAROLINA | 781 | $1.2M |
| Dental(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 329 | $336K |
| Vision(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 329 | $336K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 405 | $126K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 202 | $67K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 223 | $71K |
| Prescription drug | BLUE CROSS & BLUE SHIELD OF NORTH CAROLINA | 781 | $1.2M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS & BLUE SHIELD OF NORTH CAROLINA | 781 | $1.2M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 405 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 781 | — |
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.