| 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 | $22K | — | $22K | 2.07% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 9.90% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 | 161 WASHINGTON ST STE 1200 CONSHOHOCKEN, PA 19428 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $3K | $933 | $4K | 13.00% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 | 161 WASHINGTON ST STE 1200 CONSHOHOCKEN, PA 19428 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $2K | $641 | $2K | 13.00% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 | 161 WASHINGTON ST STE 1200 CONSHOHOCKEN, PA 19428 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $968 | $360 | $1K | 13.00% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 | 161 WASHINGTON ST STE 1200 CONSHOHOCKEN, PA 19428 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $113 | $39 | $152 | 13.04% |
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 | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 147 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY OF AMERICA | 100 | $80K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY OF AMERICA | 100 | $80K |
| Life insurance | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 135 | $27K |
| Short-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 135 | $19K |
| Long-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 29 | $10K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 147 | $1.1M |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 147 | $1.1M |
| 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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.