| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST GREENSBORO, NC 27455 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 4.17% |
| MARY ELLEN ESPOSITO3 | PO BOX 90891 RALEIGH, NC 27675 | CONTINENTAL AMERICAN INSURANCE COMPANY | $901 | — | $901 | 2.61% |
| JILL R LAMBERT Filed as: JILL W DENTON | 2 GLENMORE DRIVE DURHAM, NC 27707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $136 | — | $136 | 0.39% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DR 602 DURHAM, NC 27707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $134 | — | $134 | 0.39% |
| THE DIAMOND AGENCY LLC3 Filed as: THE DIAMOND AGENCY | 1017 ASHES DRIVE 106 WILMINGTON, NC 28405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | — | $56 | 0.16% |
| LARRY A WESTON JR3 | 209 BRISTOL COURT GREENVILLE, NC 27834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.05% |
| CATHERINE L LEE3 | 10 NUN ST WILMINGTON, NC 28401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.05% |
| TEATORS INS PROTECTION SERVICES3 | 519 SHERWOOD FOREST PLACE CARY, NC 27513 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD SUITE 600 RALEIGH, NC 27612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| GORDON K VANN3 | 2156 WESLEY LANE GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| LAUREN E SKINNER3 | 204 E ARLINGON BLVD SUITE C GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| LARA K GRANDE3 | 204 E ARLINGTON BLVD UNIT C GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| LARRY A WESTON JR3 | 321 WINDSOR RD GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 113 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.