| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 4350 WEAVER PARKWAY WARRENVILLE, IL 60555 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $45K | — | $45K | 2.84% |
| STEVEN H. DOMSKY3 | UNKNOWN RALEIGH, NC 27610 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $18K | $0 | $18K | 1.14% |
| TOWNE INSURANCE AGENCY LLC3 | UNKNOWN RALEIGH, NC 27610 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.16% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | UNKNOWN RALEIGH, NC 27610 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.14% |
| ASSUREDPARTNERS3 | 4 WESTBROOK CORPORATE CENTER SUITE 500 WESTCHESTER, IL 60154 | AMERICAN UNITED LIFE INSURANCE COMPANY | $29K | $1K | $30K | 11.61% |
| THE FRIEDEN AGENCY INC3 | 3 COMMERICAL PLACE, SUITE 1600 NORFOLK, VA 23510 | AMERICAN UNITED LIFE INSURANCE COMPANY | $6K | $0 | $6K | 2.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | PO BOX 3543 PORTLAND, ME 04102 | AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.46% |
| ASSUREDPARTNERS3 | 25 NW POINT BOULEVARD, SUITE 625 ELK GROVE VILLAGE, IL 60007 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 9.44% |
| STEVEN H. DOMSKY3 | 1327 WEST WASHINGTON BOULEVARD SUITE C CHICAGO, IL 60607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 4.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH MCLENNAN AGENCY | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 3.25% |
| BENEFIT TECHNOLOGY RESOURCES3 Filed as: BENEFIT TECHNOLOGY RESOURCES, LLC | 6230 FAIRVIEW ROAD, SUITE 210 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $773 | $0 | $773 | 2.13% |
| TOWNE INSURANCE AGENCY LLC3 | 105 EAST ARLINGTON BOULEVARD SUITE C GREENVILLE, NC 27858 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $556 | $0 | $556 | 1.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $78 | $0 | $78 | 0.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH MCLENNAN AGENCY | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $982 | $8 | $990 | 3.56% |
| TOWNE INSURANCE AGENCY LLC3 | 105 EAST ARLINGTON BOULEVARD SUITE C GREENVILLE, NC 27858 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $665 | $0 | $665 | 2.39% |
| ASSUREDPARTNERS3 | 25 NW POINT BOULEVARD, SUITE 625 ELK GROVE VILLAGE, IL 60007 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $507 | $0 | $507 | 1.82% |
| STEVEN H. DOMSKY3 | 1327 WEST WASHINGTON BOULEVARD SUITE C CHICAGO, IL 60607 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $341 | $0 | $341 | 1.23% |
| ASSUREDPARTNERS3 | 4350 WEAVER PARKWAY WARRENVILLE, IL 60555 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $290 | $0 | $290 | 1.04% |
| BENEFIT TECHNOLOGY RESOURCES3 Filed as: BENEFIT TECHNOLOGY RESOURCES, LLC | 6230 FAIRVIEW ROAD, SUITE 210 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $167 | $0 | $167 | 0.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AND OTHER AGENTS | 1 SOUTH JEFFERSON STREET ROANOKE, VA 24011 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $33 | $0 | $33 | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.04% |
| ASSUREDPARTNERS3 | 4350 WEAVER PARKWAY WARRENVILLE, IL 60555 | COMMUNITY EYE CARE | $2K | $0 | $2K | 7.00% |
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 | 450 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 450 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 363 | $1.6M |
| Vision | COMMUNITY EYE CARE | 355 | $26K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 450 | $286K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 450 | $258K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 450 | $286K |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 450 | $322K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 450 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.