| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA5 Filed as: BLUE CROSS/BLUE SHIELD OF NC | 3165 SWEETEN CREEK RD. ASHEVILLE, NC 28803 | BLUE CROSS/BLUE SHIELD OF NORTH CAROLINA | — | $97K | $97K | 36.77% |
| BARTLETT, WES S.3 | P.O. BOX 9375 GREENSBORO, NC 27429 | BLUE CROSS/BLUE SHIELD OF NORTH CAROLINA | $44K | — | $44K | 16.89% |
| BLUE CROSS BLUE SHIELD OF FLORIDA5 Filed as: BLUE CROSS/BLUE SHIELD OF NC | 3165 SWEETEN CREEK RD. ASHEVILLE, NC 28803 | BLUE CROSS/BLUE SHIELD OF NORTH CAROLINA | — | $7K | $7K | 2.58% |
| BLUE CROSS BLUE SHIELD OF FLORIDA5 Filed as: BLUE CROSS/BLUE SHIELD OF NC | 3165 SWEETEN CREEK RD. ASHVILLE, NC 28803 | BLUE CROSS/BLUE SHIELD OF NORTH CAROLINA | — | $1K | $1K | 0.40% |
| BLUE CROSS BLUE SHIELD OF FLORIDA5 Filed as: BLUE CROSS/BLUE SHIELD OF NC | 3165 SWEETEN CREEK RD. ASHVILLE, NC 28803 | BLUE CROSS/BLUE SHIELD OF NORTH CAROLINA | — | $6 | $6 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | P.O. BOX 9395 GREENSBORO, NC 27429 | PRINCIPAL LIFE INSURANCE COMPANY | $20K | $3K | $23K | 13.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | PRINCIPAL LIFE INSURANCE COMPANY | — | $789 | $789 | 0.48% |
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 | 219 | 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) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS/BLUE SHIELD OF NORTH CAROLINA | 439 | $263K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 410 | $165K |
| Vision | BLUE CROSS/BLUE SHIELD OF NORTH CAROLINA | 439 | $263K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 410 | $165K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 410 | $165K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 410 | $165K |
| Prescription drug | BLUE CROSS/BLUE SHIELD OF NORTH CAROLINA | 439 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 439 | — |
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.