| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: JOHN R WILLIS, JR | 1616 EAST MILLBROOK ROAD SUITE 250 RALEIGH, NC 27609 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $47K | — | $47K | 3.36% |
| MATTHEW A ESTRELA3 | 751 CORPORATE CTR DRIVE STE 120 RALEIGH, NC 27607 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $14K | — | $14K | 1.00% |
| JRW ASSOCIATES INC3 | 5510 SIX FORKS ROAD SUITE 260 RALEIGH, NC 27609 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 7.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 751 CORPORATE CTR DR SUITE 12 RALEIGH, NC 27607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.27% |
| JRW ASSOCIATES INC3 | 5510 SIX FORKS ROAD SUITE 260 RALEIGH, NC 27609 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 751 CORPORATE CTR DR SUITE 12 RALEIGH, NC 27607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOHN R. WILLIS | 9121 ANSON WAY SUITE 200 RALEIGH, NC 27615 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 24.50% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | P.O. BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 7.30% |
| SELECT BNFT SOLUTION LLC3 | P.O. BOX 1370 MT. PLEASANT, SC 29465 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $81 | — | $81 | 0.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD SUITE 600 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33 | — | $33 | 0.12% |
| JRW ASSOCIATES INC3 | 5510 SIX FORKS ROAD SUITE 260 RALEIGH, NC 27609 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 11.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 751 CORPORATE CTR DR SUITE 12 RALEIGH, NC 27607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $869 | — | $869 | 3.61% |
| JRW ASSOCIATES INC3 | 5510 SIX FORKS ROAD SUITE 260 RALEIGH, NC 27609 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 751 CORPORATE CTR DR SUITE 12 RALEIGH, NC 27607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $376 | — | $376 | 2.29% |
| JRW ASSOCIATES INC3 | 5510 SIX FORKS ROAD SUITE 260 RALEIGH, NC 27609 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 751 CORPORATE CTR DR SUITE 12 RALEIGH, NC 27607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $376 | — | $376 | 2.39% |
| JRW ASSOCIATES INC3 | 5510 SIX FORKS ROAD SUITE 260 RALEIGH, NC 27609 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $570 | — | $570 | 7.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 751 CORPORATE CTR DR SUITE 12 RALEIGH, NC 27607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $178 | — | $178 | 2.38% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 165 | $1.4M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 112 | $105K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 118 | $16K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 148 | $16K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 148 | $45K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 148 | $7K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 165 | $1.4M |
| Other(4 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 165 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.