| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT M. MCLEAN3 Filed as: ROBERT MCLEAN | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $41K | — | $41K | 3.59% |
| JOY HEILMAN3 | 194 FINLEY GOLF COURSE RD. SUITE 200 CHAPEL HILL, NC 27517 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $5K | — | $5K | 0.43% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF NORTH CAROLINA | $7K | — | $7K | 7.38% |
| SRA INSURANCE AGENCY LLC3 Filed as: SRA BENEFITS CONSULTING, LLC | 4700 SIX FORKS ROAD STE 200 RALEIGH, NC 27609 | DELTA DENTAL OF NORTH CAROLINA | $2K | — | $2K | 1.71% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 300 GALLERIA PARKWAY SE STE 1100 ATLANTA, GA 30339 | VISION SERVICE PLAN | $1K | — | $1K | 7.40% |
| SRA INSURANCE AGENCY LLC3 Filed as: SRA BENEFITS CONSULTING LLC | 4700 SIX FORKS ROAD STE 200 RALEIGH, NC 27609 | VISION SERVICE PLAN | $410 | — | $410 | 2.60% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $13 | — | $13 | 0.08% |
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. |
| 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 216 | $1.1M |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 231 | $100K |
| Vision | VISION SERVICE PLAN | 155 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.