| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2301 SUGAR BUSH ROAD SUITE 600 RALEIGH, NC 27612 | SUN LIFE ASSURANCE COMPANY OF CANADA | $24K | $0 | $24K | 12.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 161 WASHINGTON ST STE 1200 CONSHOHOCKEN, PA 19428 | DELTA DENTAL OF NORTH CAROLINA | $17K | $0 | $17K | 15.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 24.52% |
| JOANN SPIVEY3 Filed as: JOANN TALIAFERRO SPIVEY | 113 CREEK TRAIL HERTFORD, NC 27944 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 12.01% |
| DAWN D JOHNSTON3 | 1884 OLD NEW BERN ROAD CHOCOWINITY, NC 27817 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 11.38% |
| AUBREY G PHELPS3 | 81 SAMANTHA DR PLYMOUTH, NC 27962 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.28% |
| BRITTANY DANIELLE WALKER3 | 384 OLD WHARF RD WANCHESE, NC 27981 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.70% |
| MATTHEW G BERGER3 Filed as: MATTHEW W PINER | 907 PORT ROYAL CT NEW BERN, NC 28560 | CONTINENTAL AMERICAN INSURANCE COMPANY | $874 | $0 | $874 | 2.78% |
| CHRISTINA T HODGSON3 | 184 MEEKINS DR MANTEO, NC 27954 | CONTINENTAL AMERICAN INSURANCE COMPANY | $385 | $0 | $385 | 1.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ROBERT A BROWN | 4000 OSSI CT STE 211 HIGH POINT, NC 27265 | CONTINENTAL AMERICAN INSURANCE COMPANY | $216 | $0 | $216 | 0.69% |
| MELISSA A RHODES3 | 306 ROLLINGWOOD DR NEWPORT, NC 28570 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2301 SUGAR BUSH ROAD SUITE 600 RALEIGH, NC 27612 | COMMUNITY EYE CARE | $3K | $0 | $3K | 12.00% |
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 | 246 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 299 | $109K |
| Vision | COMMUNITY EYE CARE | 331 | $25K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 246 | $184K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 246 | $184K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 246 | $184K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 246 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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.