| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SRA BENEFITS CONSULTING LLC3 | 4700 SIX FORKS ROAD SUITE 200 RALEIGH, NC 27609 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $78K | — | $78K | 12.01% |
| MARK S METTILLE3 Filed as: MARK S. METTILLE | 832 BAY ST NE UNIT 1 ST. PETERSBURG, FL 33701 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $33K | — | $33K | 5.00% |
| DIGITAL INSURANCE LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 0.22% |
| JUSTIN O'QUINN3 | 8453 CENTRAL DR. RALEIGH, NC 27613 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39K | — | $39K | 16.80% |
| SRA BENEFITS CONSULTING LLC3 | 4700 SIX FORKS ROAD STE 200 RALEIGH, NC 27609 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34K | — | $34K | 14.31% |
| BENJAMIN MACKEY3 | 515 LONG VIEW DRIVE YOUNGSVILLE, NC 27596 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 3.65% |
| RYAN SCOTT SHADEL3 | 3100 BLUFF LANE APT 1316 HILLSBOROUGH, NC 27278 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 3.05% |
| KATHERINE PATE3 | 332 COTTON MILL DR. ZEBULON, NC 27597 | CONTINENTAL AMERICAN INSURANCE COMPANY | $605 | — | $605 | 0.26% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$270 | — | -$270 | -0.12% |
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 | 1,680 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,690 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,638 | $652K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,638 | $652K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,638 | $652K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,638 | $652K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,638 | $652K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,654 | $886K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,654 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.