| 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 | 6.28% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES INC. | 1616 EAST MILLBROOK ROAD SUITE 250 RALEIGH, NC 27609 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 6.88% |
| BROKERS INSURANCE SERVICES CORP.3 | 8362 SIX FORKS ROAD RALEIGH, NC 27615 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.95% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES | 1616 EAST MILLBROOK ROAD SUITE 250 RALEIGH, NC 27609 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | — | $14K | 17.00% |
| ANT FARM3 | 291 HERITAGE WALK WOODSTOCK, GA 30188 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $4K | $7K | 8.00% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER & COMPANY | 291 HERITAGE WALK WOODSTOCK, GA 30188 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES, INC. | 1616 EAST MILLBROOK ROAD SUITE 250 RALEIGH, NC 27609 | COMMUNITY EYE CARE | $4K | — | $4K | 10.00% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES INC. | 1616 EAST MILLBROOK ROAD SUITE 250 RALEIGH, NC 27609 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.30% |
| BROKERS INSURANCE SERVICES CORP.3 | 8362 SIX FORKS ROAD RALEIGH, NC 27615 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $890 | — | $890 | 3.13% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES INC. | 1616 EAST MILLBROOK ROAD SUITE 250 RALEIGH, NC 27609 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $219 | $2K | 9.20% |
| ANT FARM3 | 291 HERITAGE WALK WOODSTOCK, GA 30188 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $855 | — | $855 | 3.43% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $523 | — | $523 | 2.10% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES INC. | 1616 EAST MILLBROOK ROAD SUITE 250 RALEIGH, NC 27609 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $157 | $2K | 9.84% |
| ANT FARM3 | 291 HERTIAGE WALK WOODSTOCK, GA 30188 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $534 | — | $534 | 3.11% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $70 | $119 | $189 | 1.10% |
| 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 | 6.79% |
| BROKERS INSURANCE SERVICES CORP.3 | 8362 SIX FORKS ROAD RALEIGH, NC 27615 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $499 | — | $499 | 2.91% |
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 | 596 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 598 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts) | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 196 | $142K |
| Vision | COMMUNITY EYE CARE | 603 | $38K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 596 | $154K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $101K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 596 | $136K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 596 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 603 | — |
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.