| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | PO BOX 31817 CHARLOTTE, NC 282311817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $31K | $31K | 7.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | PO BOX 31817 CHARLOTTE, NC 282311817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $26K | $41K | 13.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | PO BOX 31817 CHARLOTTE, NC 282311817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $19K | $19K | 7.34% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $31K | $3K | $34K | 16.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | PO BOX 31817 CHARLOTTE, NC 282311817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $19K | $19K | 9.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC. | 214 N TRYON STREET SUITE 2500 CHARLOTTE, NC 282022381 | AMERITAS LIFE INSURANCE COMPANY | $9K | $2K | $11K | 6.02% |
| NFP INSURANCE SERVICES INC3 | 5707 SOUTHWEST PKWY STE 400 AUSTIN, TX 78735 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | — | $4K | 2.80% |
| CHRISTOPHER NELSON RIKARD3 | 103 TARLETON WAY GREER, SC 29650 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | — | $4K | 2.73% |
| SCOTT GREENFIELD3 | 3550 LENOX RD NE STE ATLANTA, GA 30326 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.93% |
| HENRY W MCCRAY3 | 1050 CROWN POINTE PKWY STE 1500 ATLANTA, GA 30338 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | PO BOX 31817 CHARLOTTE, NC 282311817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $10K | $10K | 7.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | PO BOX 31817 SUITE 2500 CHARLOTTE, NC 282311817 | AETNA LIFE INSURANCE COMPANY | $5K | — | $5K | 9.33% |
| PLYBON & ASSOCIATES INC3 Filed as: PLYBON & ASSOCIATES INC. | 6518 AIRPORT CENTER DRIVE SUITE 101 GREENSBORO, NC 27425 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 7.34% |
| THE PARTNERS GROUP3 Filed as: TPG CONSULTING, LLC | 6518 AIRPORT CENTER DRIVE SUITE 203 GREENSBORO, NC 27409 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 6.91% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | STARR INDEMNITY & LIABILITY COMPANY | $3K | — | $3K | 20.00% |
| THE PARTNERS GROUP3 Filed as: TPG CONSULTING, LLC | 6518 AIRPORT CENTER DRIVE SUITE 203 GREENSBORO, NC 27409 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $338 | — | $338 | 4.87% |
| PYBON & ASSOCIATES INC.3 | 6518 AIRPORT CENTER DRIVE SUITE 101 GREENSBORO, NC 27409 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.49% |
| THE PARTNERS GROUP3 Filed as: TPG CONSULTING, LLC | 6518 AIRPORT CENTER DRIVE SUITE 203 GREENSBORO, NC 27409 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $511 | — | $511 | 7.47% |
| PLYBON & ASSOCIATES INC3 Filed as: PLYBON & ASSOCIATES INC. | 6518 AIRPORT CENTER DRIVE SUITE 101 GREENSBORO, NC 27425 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $468 | — | $468 | 6.84% |
| THE PARTNERS GROUP3 Filed as: TPG CONSULTING, LLC | 6518 AIRPORT CENTER DRIVE SUITE 203 GREENSBORO, NC 27409 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $503 | — | $503 | 9.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | STARR INDEMNITY & LIABILITY COMPANY | $481 | — | $481 | 20.02% |
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 | 2,277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 8 | $55K |
| Dental | AETNA LIFE INSURANCE COMPANY | 8 | $55K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE COMPANY | 4,063 | $240K |
| Life insurance(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,505 | $908K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,966 | $393K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,249 | $333K |
| Other(7 contracts, 4 carriers) | MCLAUGHLIN YOUNG EMPLOYEE SERVICES, INC. | 4,799 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,799 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.