| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES | 1616 E MILLBROOK RD #250 RALEIGH, NC 27609 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $5K | $0 | $5K | 10.00% |
| JRW ASSOCIATES INC3 | 5510 SIX FORKS RD STE 260 RALEIGH, NC 27609 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.75% |
| ANT FARM3 | 291 HERITAGE WALK WOODSTOCK, GA 30188 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $548 | $1K | $2K | 7.42% |
| ANT FARM5 | 291 HERITAGE WALK WOODSTOCK, GA 30188 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $73 | $73 | 0.30% |
| JRW ASSOCIATES INC3 | 5510 SIX FORKS RD STE 260 RALEIGH, NC 27609 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.75% |
| ANT FARM3 | 291 HERITAGE WALK WOODSTOCK, GA 30188 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $331 | $767 | $1K | 7.47% |
| ANT FARM5 | 291 HERITAGE WALK WOODSTOCK, GA 30188 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $72 | $72 | 0.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOHN R. WILLIS, JR | 1616 EAST MLLBROOK ROAD SUITE 250 RALEIGH, NC 27609 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $1K | $0 | $1K | 10.06% |
| JRW ASSOCIATES INC3 | 5510 SIX FORKS RD STE 260 RALEIGH, NC 27609 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 12.75% |
| ANT FARM5 | 291 HERITAGE WALK WOODSTOCK, GA 30188 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $870 | $870 | 9.92% |
| ANT FARM3 | 291 HERITAGE WALK WOODSTOCK, GA 30188 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $197 | $461 | $658 | 7.51% |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 93 | $48K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 146 | $12K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $23K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 76 | $24K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.