| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCDONNELL, JOHN N3 | 2301 SUGAR BUSH ROAD, SUITE 220 RALEIGH, NC 27612 | BLUE CROSS BLUE SHIELD OF NC | $47K | $2K | $49K | 2.96% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF NORTH CAROLINA | $3K | — | $3K | 3.06% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 10.33% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 14.68% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $975 | $5K | 19.02% |
| MARSH & MCLENNAN AGENCY LLC | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $936 | $3K | 14.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD, SUITE 220 RALEIGH, NC 276122956 | VISION SERVICE PLAN | $1K | — | $1K | 5.48% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NC | 233 | $1.7M |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 257 | $92K |
| Vision | VISION SERVICE PLAN | 155 | $20K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 151 | $46K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 97 | $22K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 156 | $36K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NC | 233 | $1.7M |
| Other(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 151 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.