| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JRW ASSOCIATES INC3 | 1616 E MILLBROOK RD STE 250 RALEIGH, NC 27609 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $87K | — | $87K | 12.35% |
| JRW ASSOCIATES INC3 | 1616 E MILLBROOK RD STE 250 RALEIGH, NC 27609 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | — | $14K | 2.01% |
| JRW ASSOCIATES INC3 | 1616 E MILLBROOK RD STE 250 RALEIGH, NC 27609 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 6.85% |
| BROKERS INSURANCE SERVICES CORP.3 Filed as: BROKERS INSURANCE SERVICES CORP | 8362 SIX FORKS RD RALEIGH, NC 27615 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.94% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES, INC. | 1616 E. MILLBROOK RD STE 250 RALEIGH, NC 27609 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 7.80% |
| JRW ASSOCIATES INC3 | 1616 E MILLBROOK RD STE 250 RALEIGH, NC 27609 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 13.10% |
| JRW ASSOCIATES INC3 | 1616 E MILLBROOK RD STE 250 RALEIGH, NC 27609 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 7.07% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFIT PROGAMS INC | 897 12TH ST HAMMONTON, NJ 80370 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $734 | — | $734 | 1.57% |
| JRW ASSOCIATES INC3 | 1616 E MILLBROOK RD STE 250 RALEIGH, NC 27609 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.07% |
| BROKERS INSURANCE SERVICES CORP.3 Filed as: BROKERS INSURANCE SERVICES CORP | 8362 SIX FORKS RD RALEIGH, NC 27615 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.03% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES | 1616 E MILLBROOK RD STE 250 RALEIGH, NC 27609 | VISION SERVICE PLAN | $2K | — | $2K | 4.09% |
| JRW ASSOCIATES INC3 | 1616 E MILLBROOK RD STE 250 RALEIGH, NC 27609 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 6.47% |
| BROKERS INSURANCE SERVICES CORP.3 Filed as: BROKERS INSURANCE SERVICES CORP | 8362 SIX FORKS RD RALEIGH, NC 27615 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $563 | — | $563 | 2.78% |
| JRW ASSOCIATES INC3 | 1616 E MILLBROOK RD STE 250 RALEIGH, NC 27609 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.63% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 80370 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $597 | — | $597 | 3.22% |
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 | 775 | 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) | 775 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 435 | $700K |
| Dental(3 contracts) | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 259 | $150K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 296 | $59K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 465 | $176K |
| Short-term disability(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 465 | $194K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 465 | $79K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 435 | $700K |
| Stop-loss / reinsurancereinsurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 81 | $19K |
| Other | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 166 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 465 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.