| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST NATIONAL INSURANCE AGENCY3 | PO BOX 6369 HERMITAGE, PA 16148 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $0 | $24K | 5.18% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST GREENSBORO, NC 27455 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $63K | $0 | $63K | 15.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $8K | $8K | 2.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST GREENSBORO, NC 27455 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 13.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 3.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC DBA SEN | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | $0 | $10K | 14.99% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.34% |
| SOUTHEASTERN BNFTS LLC3 | 4837 CAROLINA BEACH ROAD SUITE 101 WILMINGTON, NC 28412 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, MARSH & MCLENNAN AGE | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $743 | $743 | 1.16% |
| HERRING WILLIAM D3 | 2113 S GLENBURNIE RD SUITE A NEW BERN, NC 28562 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $710 | $0 | $710 | 1.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD STE 600 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $694 | $0 | $694 | 1.08% |
| JONES CARMON3 | 600-A PLAZA BLVD KINSTON, NC 28501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $101 | $0 | $101 | 0.16% |
| CULLEN DONNA3 | PO BOX 275 BAYBORO, NC 28515 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44 | $0 | $44 | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST GREENSBORO, NC 27455 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 10.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 2.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST GREENSBORO, NC 27455 | UNUM INSURANCE COMPANY | $6K | $0 | $6K | 15.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM INSURANCE COMPANY | $0 | $1K | $1K | 3.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST GREENSBORO, NC 27455 | UNUM INSURANCE COMPANY | $5K | $0 | $5K | 15.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM INSURANCE COMPANY | $0 | $1K | $1K | 3.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST GREENSBORO, NC 27455 | UNUM INSURANCE COMPANY | $4K | $0 | $4K | 16.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM INSURANCE COMPANY | $0 | $959 | $959 | 3.76% |
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 | 632 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 637 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 960 | $466K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 960 | $466K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 659 | $193K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 214 | $398K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 214 | $398K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 659 | $346K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 960 | — |
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.