| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AEGIS RISK LLC3 | 218 N LEE ST STE 306 ALEXANDRIA, VA 22314 | RELIASTAR LIFE INSURANCE COMPANY | $55K | — | $55K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $41K | $23K | $64K | 6.25% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $23K | $49K | 5.61% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | $18K | $43K | 5.18% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $15K | $30K | 5.97% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 Filed as: PROGRESSIVE BENEFIT SOLUTIONS | 2301 SUGAR BUSH RD #220 RALEIGH, NC 27612 | EYEMED VISION CARE | $43K | — | $43K | 12.20% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 Filed as: PROGRESSIVE BENEFIT SOLUTIONS | 2301 SUGAR BUSH RD #220 RALEIGH, NC 27612 | EYEMED VISION CARE | $748 | — | $748 | 12.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBS OF SOUTH CAROLINA EIN 57-0287419 NONE | Claims processing; Other services Service code 12 | — | $40.9M |
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MANAGE | Float revenue; Claims processing; Other fees; Direct payment from the plan Service code 12 | — | $12.5M |
| FLORES & ASSOCIATES EIN 56-1542307 NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $98K |
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 | 6,046 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,087 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 11,254 | $3.1M |
| Vision(2 contracts) | EYEMED VISION CARE | 13,263 | $358K |
| Life insurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 6,380 | $3.3M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,267 | $1.0M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,380 | $825K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,380 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,263 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.