| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM F SALMON3 | 2301 SUGAR BUSH ROAD SUITE 220 RALEIGH, NC 27612 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $62K | — | $62K | 4.30% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 240282748 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $10K | $21K | 19.91% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 240282748 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 14.93% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 240282748 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $710 | $2K | 14.92% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 240282748 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $698 | $345 | $1K | 14.93% |
| SELECT BNFT SOLUTION LLC3 | P.O. BOX 1370 MT. PLEASANT, SC 29465 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $369 | — | $369 | 8.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD SUITE 220 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $272 | — | $272 | 6.31% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 0.84% |
| JILL DENTON3 | 3500 WESTGATE DRIVE, SUITE 602 DURHAM, NC 27707 | AFLAC | $82 | — | $82 | 3.43% |
| NANCY HIRT3 | 2920 WOODHAVEN DRIVE ASHEBORO, NC 27205 | AFLAC | $50 | — | $50 | 2.09% |
| REBECCA WOOD3 | 2805 CHELSEA CIRCLE DURHAM, NC 27707 | AFLAC | $28 | — | $28 | 1.17% |
| GORDON HIRT JR3 | 2920 WOODHAVEN DRIVE ASHEBORO, NC 27205 | AFLAC | $27 | — | $27 | 1.13% |
| ELIZABETH MANGUM3 | 3919 WENTWORTH DRIVE DURHAM, NC 27707 | AFLAC | $27 | — | $27 | 1.13% |
| BRIDGETT DAIL3 | 8224 YAXLEY HALL DR RALEIGH, NC 27616 | AFLAC | $15 | — | $15 | 0.63% |
| FRANKLIN TRAVIS BLACK3 Filed as: FRANKLIN BLACK | 5981 WOODFIELD DRIVE KERNERSVILLE, NC 27284 | AFLAC | $14 | — | $14 | 0.59% |
| D AND V BUTLER INC3 Filed as: J BUTLER | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $10 | — | $10 | 0.42% |
| WILLIAM L BAKER IV3 Filed as: WILLIAM BAKER IV | 1121 WEDGELAND DR RALEIGH, NC 27615 | AFLAC | $8 | — | $8 | 0.33% |
| DAVID MORGAN3 | 906 MERCHANT LEE PLACE MANAKIN SABOT, VA 23103 | AFLAC | $3 | — | $3 | 0.13% |
| JAMES R HILL JR3 Filed as: JAMES HILL JR | P.O. BOX 13272 GREENSBORO, NC 27415 | AFLAC | $1 | — | $1 | 0.04% |
| RUSSELL TINNEY3 | 3440 TORRINGTON WAY APT 7 STE 101 FAYETTEVILLE, VA 28314 | AFLAC | $1 | — | $1 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD SUITE 600 RALEIGH, NC 27612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 5.84% |
| FRANKLIN TRAVIS BLACK3 | 5981 WOODFIELD DRIVE KERNERSVILLE, NC 27284 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 1.52% |
| FRANKLIN TRAVIS BLACK3 Filed as: FRANKLIN BLACK | 5981 WOODFIELD DRIVE KERNERSVILLE, NC 27284 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 1.02% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DR #602 DURHAM, NC 27707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.25% |
| JAMES R HILL JR3 Filed as: JAMES R HILL, JR | 2311 W. CONE BOULEVARD, #110 GREENSBORO, NC 27408 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.25% |
| LARRY A WESTON JR3 Filed as: LARRY A WESTON, JR | 209 BRISTOL COURT GREENVILLE, NC 27834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.25% |
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 | 191 | 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) | 191 | 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 | 239 | $1.4M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 144 | $104K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 191 | $14K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 191 | $34K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 191 | $7K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 239 | $1.4M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 191 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.