| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD STE 600 RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $4K | $9K | 21.61% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD STE 600 RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $4K | $11K | 28.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD STE 600 RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $3K | $6K | 21.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD STE 600 RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $2K | 21.26% |
| RUTH A ANDERSON4 | 331 S FAYETTEVILLE ST CLAYTON, NC 27520 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $1K | $0 | $1K | 11.80% |
| SDM&R, INC DBA SENN DUNN INSURANCE3 Filed as: SDM&R INC DBA SENN DUNN INSURANCE | PO BOX 9375 GREENSBORO, NC 27429 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $692 | $0 | $692 | 7.44% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 14.88% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD STE 600 RALEIGH, NC 27612 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $59 | $59 | 0.71% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLZ 2 250 PEHLE AVE W #400 SADDLE BROOK, NJ 07663 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.23% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $549 | $0 | $549 | 7.92% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLZ 2 250 PEHLE AVE W #400 SADDLE BROOK, NJ 07663 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $83 | $0 | $83 | 1.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD STE 600 RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $69 | $69 | 0.99% |
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 | 291 | 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) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 273 | $51K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 235 | $28K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 90 | $40K |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 273 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.