| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM F SALMON3 Filed as: WILLIAM F. SALMON | 2301 SUGAR BUSH ROAD, SUITE 22 RALEIGH, NC 27612 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $47K | $1K | $48K | 4.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | P.O. BOX 12748 ROANOKE, VA 240282748 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $44 | $7K | 8.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN AGEN | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.83% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $903 | $4K | 9.32% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $259 | $2K | 14.10% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $980 | $153 | $1K | 17.35% |
| FRANKLIN TRAVIS BLACK3 Filed as: FRANKLIN BLACK | 5981 WOODFIELD DRIVE KERNERSVILLE, NC 27284 | AFLAC | $217 | $19 | $236 | 4.02% |
| NANCY HIRT3 | 2920 WOODHAVEN DRIVE ASHEBORO, NC 27205 | AFLAC | $107 | — | $107 | 1.82% |
| JILL DENTON3 | 3500 WESTGATE DRIVE, SUITE 602 DURHAM, NC 27707 | AFLAC | $89 | — | $89 | 1.52% |
| KELLY LESBACK3 | 826 N ELM STREET GREENSBORO, NC 27401 | AFLAC | $40 | $3 | $43 | 0.73% |
| GORDON HIRT JR3 | 2920 WOODHAVEN DRIVE ASHEBORO, NC 27205 | AFLAC | $36 | — | $36 | 0.61% |
| REBECCA WOOD3 | 2805 CHELSEA CIRCLE DURHAM, NC 27707 | AFLAC | $31 | — | $31 | 0.53% |
| ELIZABETH MANGUM3 | 3919 WENTWORTH DRIVE DURHAM, NC 27707 | AFLAC | $29 | — | $29 | 0.49% |
| BRANDON HARVEY3 | P.O. BOX 8845 GREENSBORO, NC 27419 | AFLAC | $29 | — | $29 | 0.49% |
| CONNIA WATSON3 | 3725 SUFFOLK STREET DURHAM, NC 27707 | AFLAC | $21 | — | $21 | 0.36% |
| SELECT BNFT SOLUTION LLC3 Filed as: SELECT BENEFIT SOLUTIONS LLC | P.O. BOX 1370 MT. PLEASANT, SC 29465 | AFLAC | $18 | — | $18 | 0.31% |
| JENNIFER BLACK3 | 5981 WOODFIELD DRIVE KERNERSVILLE, NC 27284 | AFLAC | $17 | — | $17 | 0.29% |
| JAMES R HILL JR3 Filed as: JAMES HILL JR | P.O. BOX 13272 GREENSBORO, NC 27415 | AFLAC | $11 | $4 | $15 | 0.26% |
| BRIDGETT DAIL3 | 5217 STONE STATION DRIVE RALEIGH, NC 27616 | AFLAC | $11 | — | $11 | 0.19% |
| D AND V BUTLER INC3 Filed as: J BUTLER | 1440 OLD LENOIR ROAD, STE A HICKORY, NC 28601 | AFLAC | $11 | — | $11 | 0.19% |
| MELISSA MURBACH3 | 1105 LAUREL BLUFF DRIVE KING, NC 27021 | AFLAC | $6 | $4 | $10 | 0.17% |
| WILLIAM L BAKER IV3 Filed as: WILLIAM BAKER IV | 2310 S MIAMI BLVD, STE 239 DURHAM, NC 27703 | AFLAC | $6 | — | $6 | 0.10% |
| HEATHER J JOHNSON3 Filed as: HEATHER JOHNSON | 2032 LA DORA DRIVE HIGH POINT, NC 27265 | AFLAC | $3 | — | $3 | 0.05% |
| DAVID MORGAN3 | 906 MERCHANT LEE PLACE MANAKIN SABOT, VA 23103 | AFLAC | $2 | — | $2 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD SUITE 220 RALEIGH, NC 27612 | ALLSTATE BENEFITS | $1K | — | $1K | 30.95% |
| SELECT BNFT SOLUTION LLC3 | P.O. BOX 1370 MT. PLEASANT, SC 29465 | ALLSTATE BENEFITS | $1K | — | $1K | 29.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD SUITE 220 RALEIGH, NC 27612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $167 | — | $167 | 6.84% |
| FRANKLIN TRAVIS BLACK3 | 5981 WOODFIELD DRIVE KERNERSVILLE, NC 27284 | CONTINENTAL AMERICAN INSURANCE COMPANY | $84 | — | $84 | 3.44% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DR #602 DURHAM, NC 27707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.49% |
| JAMES R HILL JR3 Filed as: JAMES R HILL, JR | 7021 MARSEILLES COURT SUMMERFIELD, NC 27358 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.33% |
| LARRY A WESTON JR3 Filed as: LARRY A WESTON, JR | 209 BRISTOL COURT GREENVILLE, NC 27834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.33% |
| TEATORS INS PROTECTION SERVICES3 | 519 SHERWOOD FOREST PLACE CARY, NC 27513 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.12% |
| ERIC MILLER3 | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.08% |
| BRANDON C ADAMS3 | 6402 BIRKDALE DRIVE GREENSBORO, NC 27410 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.08% |
| KELLY LEBSACK3 Filed as: KELLY D LEBSACK | 3300 BATTLEGROUND AVE #206 GREENSBORO, NC 27410 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| LAUREN E SKINNER3 | 204 ARLINGON BLVD, SUITE C GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| HEATHER J JOHNSON3 | 2032 LADORA DRIVE HIGH POINT, NC 27265 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| JOSEPH M GOSSMAN JR3 Filed as: JOSEPH GROSSMAN | 8302 BRISTOL FORD PLACE CHARLOTTE, NC 28215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| GORDON K VANN3 | 2156 WESLEY LANE GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.04% |
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 | 184 | 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) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 199 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 184 | $82K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 179 | $11K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 179 | $38K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 179 | $7K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 199 | $1.1M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 179 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
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.