| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES, INC. | 1616 EAST MILLBROOK ROAD SUITE 250 RALEIGH, NC 27609 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 6.10% |
| UNITED BENEFITS ADVISORS INC3 Filed as: UNITED BENEFITS ADVISORS INC. | 10 WUNSHINE LANE RED LION, PA 17356 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $291 | $291 | 0.21% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES INC. | 1616 EAST MILLBROOK ROAD SUITE 250 RALEIGH, NC 27609 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 7.04% |
| BROKERS INSURANCE SERVICES CORP.3 | 8362 SIX FORKS ROAD RALEIGH, NC 27615 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.02% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES INC. | 1616 EAST MILLBROOK ROAD SUITE 250 RALEIGH, NC 27609 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 5.97% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $554 | $244 | $798 | 1.88% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES | 1616 EAST MILLBROOK ROAD SUITE 250 RALEIGH, NC 276094971 | VISION SERVICE PLAN | $2K | — | $2K | 4.11% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES INC. | 1616 EAST MILLBROOK ROAD SUITE 250 RALEIGH, NC 27609 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.15% |
| BROKERS INSURANCE SERVICES CORP.3 | 8362 SIX FORKS ROAD RALEIGH, NC 27615 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.06% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES INC. | 1616 EAST MILLBROOK ROAD SUITE 250 RALEIGH, NC 27609 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 6.97% |
| BROKERS INSURANCE SERVICES CORP.3 | 8362 SIX FORKS ROAD RALEIGH, NC 27615 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $600 | — | $600 | 2.99% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES INC. | 1616 EAST MILLBROOK ROAD SUITE 250 RALEIGH, NC 27609 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $774 | $11 | $785 | 4.95% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $589 | — | $589 | 3.71% |
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 | 331 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts) | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 253 | $147K |
| Vision | VISION SERVICE PLAN | 271 | $39K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 493 | $182K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 155 | $42K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 493 | $139K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 493 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 493 | — |
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.