| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN MCDONNELL3 | 2301 SUGAR BUSH RD, SUITE 220 RALEIGH, NC 27612 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $14K | — | $14K | 2.43% |
| MCDONNELL, JOHN N3 | 2301 SUGAR BUSH RD, SUITE 220 RALEIGH, NC 27612 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $14K | $357 | $15K | 4.15% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | CIGNA LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $9K | 12.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA LIFE INSURANCE COMPANY OF AMERICA | $2K | $578 | $3K | 13.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA LIFE INSURANCE COMPANY OF AMERICA | $1K | $441 | $2K | 13.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA LIFE INSURANCE COMPANY OF AMERICE | $697 | $209 | $906 | 13.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA LIFE INSURANCE COMPANY OF AMERICA | $125 | $38 | $163 | 13.01% |
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 | 84 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 89 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 150 | $909K |
| Dental | CIGNA LIFE INSURANCE COMPANY OF AMERICA | 85 | $71K |
| Vision | CIGNA LIFE INSURANCE COMPANY OF AMERICA | 85 | $71K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF AMERICA | 92 | $19K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF AMERICA | 92 | $15K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF AMERICE | 30 | $7K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 150 | $909K |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 140 | $560K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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."
No prospect flags tripped on this filing.