| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES JONES3 | PO BOX 29004 GREENSBORO, NC 27429 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $50K | — | $50K | 16.94% |
| GROUP BENEFIT STRATEGIES LLC3 | 1213 CULBRETH DR WILMINGTON, NC 28405 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 6.96% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9395 GREENSBORO, NC 274290375 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 3.56% |
| GROUP BENEFIT STRATEGIES LLC3 | 1213 CULBRETH DR WILMINGTON, NC 28405 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 10.05% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9395 GREENSBORO, NC 274290375 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 4.95% |
| JOHN P DANIELS3 | ATTN GRP BENEFIT STRAT 1213 CULBRETH DR WILMINGTON, NC 284053639 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 8.54% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9395 GREENSBORO, NC 274290395 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.40% |
| GROUP BENEFIT STRATEGIES LLC3 | 1213 CULBRETH DR WILMINGTON, NC 28405 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 13.40% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9395 GREENSBORO, NC 274290375 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 6.60% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 18.94% |
| JOHN P DANIELS3 | 1213 CULBRETH DRIVE WILMINGTON, NC 28405 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 7.29% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 17.73% |
| JOHN P DANIELS3 | 1213 CULBRETH DRIVE WILMINGTON, NC 28405 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.28% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 15.95% |
| JOHN P DANIELS3 | 1213 CULBRETH DRIVE WILMINGTON, NC 28405 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 8.07% |
| GROUP BENEFIT STRATEGIES LLC3 | 1213 CULBRETH DR LANDFALL EXECUTIVE SUITES WILMINGTON, NC 284053639 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 7.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN INS, A MARSH & MCLENNAN A | PO BOX 9375 GREENSBORO, NC 274290375 | UNITEDHEALTHCARE INSURANCE COMPANY | $917 | — | $917 | 2.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF NORTH CAR EIN 56-0894904 CLAIMS PROCESSING | Claims processing Service code 12 | — | $133K |
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 | 538 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 538 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 611 | $296K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 356 | $188K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 246 | $35K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,148 | $98K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 228 | $112K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 228 | $76K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 611 | $296K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 611 | $296K |
| Other(3 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 172 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,148 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.