| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN MCDONNELL3 | 2301 SUGAR BUSH RD, SUITE 22 RALEIGH, NC 27612 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $10K | — | $10K | 1.05% |
| JOHN MCDONNELL3 | 2301 SUGAR BUSH RD, SUITE 22 RALEIGH, NC 19406 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $14K | — | $14K | 2.23% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | CIGNA LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 9.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA LIFE INSURANCE COMPANY OF AMERICA | $2K | $762 | $3K | 13.81% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA LIFE INSURANCE COMPANY OF AMERICA | $2K | $715 | $2K | 13.80% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA LIFE INSURANCE COMPANY OF AMERICA | $878 | $335 | $1K | 14.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA LIFE INSURANCE COMPANY OF AMERICA | $98 | $37 | $135 | 14.11% |
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 | 149 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 147 | $1.6M |
| Dental | CIGNA LIFE INSURANCE COMPANY OF AMERICA | 76 | $76K |
| Vision | CIGNA LIFE INSURANCE COMPANY OF AMERICA | 76 | $76K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF AMERICA | 106 | $20K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF AMERICA | 105 | $17K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF AMERICA | 29 | $9K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 147 | $1.6M |
| Other(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 147 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.