| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST NATIONAL INSURANCE AGENCY3 | 12 FEDERAL ST STE 405 PITTSBURGH, PA 152125753 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $0 | $15K | 4.44% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $48K | $0 | $48K | 15.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUAH ROAD RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $6K | $6K | 2.09% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 12.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 2.38% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 10.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $994 | $994 | 2.05% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA SENN DUNN INSURANCE 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 11.10% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.05% |
| SOUTHEASTERN BENEFITS LLC3 Filed as: SOUTHEASTERN BNFTS LLC | 4837 CAROLINA BEACH ROAD SUITE 101 WILMINGTON, NC 28412 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.32% |
| HERRING, WILLIAM D3 Filed as: HERRING WILLIAM D | 2113 S GLENBURNIE RD SUITE A NEW BERN, NC 28562 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $827 | $0 | $827 | 1.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD STE 600 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $359 | $0 | $359 | 0.81% |
| JONES, CARMON3 Filed as: JONES CARMON | 600-A PLAZA BLVD KINSTON, NC 28501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $103 | $0 | $103 | 0.23% |
| CULLEN, DONNA3 Filed as: CULLEN DONNA | PO BOX 275 BAYBORO, NC 28515 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47 | $0 | $47 | 0.11% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM INSURANCE COMPANY | $4K | $0 | $4K | 15.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM INSURANCE COMPANY | $0 | $954 | $954 | 3.84% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM INSURANCE COMPANY | $3K | $0 | $3K | 15.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM INSURANCE COMPANY | $0 | $769 | $769 | 3.80% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM INSURANCE COMPANY | $2K | $0 | $2K | 14.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM INSURANCE COMPANY | $0 | $613 | $613 | 3.74% |
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 | 676 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 685 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,004 | $334K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,004 | $334K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 666 | $146K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 218 | $304K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 218 | $304K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 666 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,004 | — |
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.