| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES | 1161 EAST MILLBROOK RD STE 250 RALEIGH, NC 27609 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $28K | — | $28K | 12.66% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 1.23% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES | 1161 EAST MILLBROOK RD STE 250 RALEIGH, NC 27609 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES | 1161 EAST MILLBROOK RD STE 250 RALEIGH, NC 27609 | RELIANCE STANDARD | $2K | — | $2K | 9.00% |
| EUGENE BAIN JR.3 | PO BOX 53574 FAYETTEVILLE, NC 28305 | RELIANCE STANDARD | — | — | $0 | 0.00% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES | 1161 EAST MILLBROOK RD STE 250 RALEIGH, NC 27609 | AMERITAS LIFE INSURANCE CORP. | $1K | — | $1K | 10.00% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES | 1161 EAST MILLBROOK RD STE 250 RALEIGH, NC 27609 | BENEFIT INTELLIGENCE | $1K | — | $1K | 15.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 | Contract Administrator Service code 13 | — | $52K |
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 | 133 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 117 | $226K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $56K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 209 | $12K |
| Life insurance | RELIANCE STANDARD | 133 | $18K |
| Short-term disability | RELIANCE STANDARD | 133 | $18K |
| Other | RELIANCE STANDARD | 133 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.