| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM F SALMON3 Filed as: WILLIAM SALMON | 2443 LYNN RD STE 208 RALEIGH, NC 27612 | BLUE CROSS BLUE SHIELD OF NC | $64K | — | $64K | 4.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD STE 220 RALEIGH, NC 276122956 | RELIASTAR LIFE INSURANCE COMPANY | $21K | — | $21K | 15.14% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 277022291 | RELIASTAR LIFE INSURANCE COMPANY | — | $7K | $7K | 5.00% |
| SELECT BENEFIT SOLUTION LLC3 | 950 GRAVES ST STE D KERNERSVILLE, NC 27285 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22K | — | $22K | 24.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 5.51% |
| PROGRESSIVE BENEFIT SOL3 Filed as: PROGRESSIVE BENEFITS SOLUTIONS | 2301 SUGAR BUSH RD STE 220 RALEIGH, NC 276122956 | EYEMED VISION CARE | $2K | — | $2K | 10.05% |
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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NC | 566 | $1.4M |
| Dental | BLUE CROSS BLUE SHIELD OF NC | 566 | $1.4M |
| Vision | EYEMED VISION CARE | 418 | $19K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 299 | $136K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 299 | $136K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 299 | $136K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NC | 566 | $1.4M |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF NC | 566 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 566 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.