| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAROL TOUCHON3 | PO BOX 10489 LYNCHBURG, VA 24506 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $131K | — | $131K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LAWYERS INSURANCE AGENCY EIN 56-1434415 NONE | Claims processing Service code 12 | — | $2.1M |
| BENEFITFOCUS EIN 57-1099948 NONE | Contract Administrator Service code 13 | — | $279K |
| JOHNSON LAMBERT EIN 52-1446779 NONE | Accounting (including auditing) Service code 10 | — | $66K |
| SCOTT INSURANCE EIN 54-0372970 NONE | Consulting (general) Service code 16 | — | $61K |
| RAYMOND JAMES/OAK HARBOR WEALTH PAR EIN 64-0474907 NONE | Investment management Service code 28 | — | $61K |
| GALLAGHER BENEFIT SERVICES EIN 36-4291971 NONE | Insurance agents and brokers Service code 22 | — | $38K |
| ALPHAGRAPHICS EIN 27-5218159 NONE | Copying and duplicating Service code 36 | — | $31K |
| RUDD AND WISDOM EIN 74-1896655 NONE | Actuarial Service code 11 | — | $28K |
| PRIMEPAY LLC EIN 03-0608841 NONE | Contract Administrator Service code 13 | — | $14K |
| TRIUNE TECHNOLOGIES INC. EIN 30-0057733 NONE | Consulting (general) Service code 16 | — | $12K |
| MARSH & MCLENNAN AGENCY EIN 36-1436000 NONE | Insurance agents and brokers Service code 22 | — | $11K |
| BROOKS PIERCE MCLENDON EIN 56-0561489 NONE | Legal Service code 29 | — | $11K |
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 | 4,613 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,613 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 8,714 | $0 |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 8,714 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,714 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.