| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM F SALMON3 Filed as: WILLIAM SALMON | 2301 SUGAR BUSH RD, STE 22 RALEIGH, NC 27612 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $34K | $35K | $69K | 21.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | PO BOX 9375 GREENSBORO, NC 27429 | USABLE LIFE | $876 | — | $876 | 9.93% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $438 | — | $438 | 4.96% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARCH & MCLENNAN AGENCY | 2301 SUGAR BUSH RD, STE 600 RALEIGH, NC 27612 | COMMUNITY EYE CARE | $698 | — | $698 | 10.00% |
| SWIDPRO LLC3 | 3316 SINGLELEAF LANE RALEIGH, NC 27616 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 2.94% |
| INTERACTIVE MEDICAL SYSTEMS5 Filed as: INTERACTIVE MEDICAL SYSTEMS, CORP. | PO BOX 1349 WAKE FOREST, NC 27588 | SELF INSURED | — | $5K | $5K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBS OF NC EIN 56-0894904 ADMINISTRATOR | Claims processing; Insurance agents and brokers Service code 12 | 2301 SUGAR BUSH ROAD, SUITE 22 RALEIGH, NC 27612 | $35K |
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 | 213 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 107 | $323K |
| Dental | SELF INSURED | 107 | $0 |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 107 | $330K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 213 | $9K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 107 | $323K |
| Other | USABLE LIFE | 213 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.