| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MELISSA NELSON3 | 1177 MAPLE RIDGE DR BURLINGTON, NC 27217 | BLUE CROSS BLUE SHEILD OF NC | $83K | — | $83K | 1.71% |
| MARSH & MCLENNAN AGENCY LLC3 | P O BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $23K | — | $23K | 5.75% |
| MCGRIFF INSURANCE SERVICES INC3 | P O BOX 896620 CHARLOTTE, NC 282896620 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$202 | — | -$202 | -0.05% |
| USI INSURANCE SERVICES LLC3 | 1787 SENTRY PARKWAY W BLDG 16 STE 300 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$211 | — | -$211 | -0.05% |
| MARSH & MCLENNAN AGENCY LLC3 | P O BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INUSRANCE COMPANY | $29K | $6K | $36K | 18.28% |
| MARSH & MCLENNAN AGENCY LLC3 | P O BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INUSRANCE COMPANY | $29K | $6K | $35K | 18.03% |
| MARSH & MCLENNAN AGENCY LLC3 | P O BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INUSRANCE COMPANY | $14K | $3K | $17K | 18.23% |
| MARSH & MCLENNAN AGENCY LLC3 | P O BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INUSRANCE COMPANY | $8K | $3K | $11K | 27.10% |
| MARSH & MCLENNAN AGENCY LLC3 | P O BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INUSRANCE COMPANY | $7K | $3K | $9K | 27.97% |
| MARSH & MCLENNAN AGENCY LLC3 | P O BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INUSRANCE COMPANY | $3K | $1K | $4K | 28.38% |
| MARSH & MCLENNAN AGENCY LLC3 | P O BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INUSRANCE COMPANY | $0 | $0 | $0 | 0.00% |
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 | 754 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 754 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHEILD OF NC | 754 | $4.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 648 | $398K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 648 | $398K |
| Life insurance | LINCOLN NATIONAL LIFE INUSRANCE COMPANY | 790 | $192K |
| Short-term disability | LINCOLN NATIONAL LIFE INUSRANCE COMPANY | 161 | $42K |
| Long-term disability | LINCOLN NATIONAL LIFE INUSRANCE COMPANY | 210 | $94K |
| Prescription drug | BLUE CROSS BLUE SHEILD OF NC | 754 | $4.8M |
| Other(3 contracts) | LINCOLN NATIONAL LIFE INUSRANCE COMPANY | 790 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 790 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.