| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | ONE S JEFFERSON ST. ROANOKE, VA 24011 | DELTA DENTAL OF NORTH CAROLINA | $0 | $5K | $5K | 1.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3625 N ELM ST SUITE 200 GREENSBORO, NC 27455 | NATIONAL VISION ADMINISTRATORS (NGL) | $13K | $0 | $13K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $2K | $3K | 2.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $984 | $2K | $3K | 2.42% |
| PROGRESSIVE BENEFIT SOLUT3 | 2301 SUGAR BUSH RD. STE 220 RALEIGH, NC 27612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | $0 | $18K | 25.00% |
| PROGRESSIVE BENEFIT SOLUT3 | 2301 SUGAR BUSH RD. STE 220 RALEIGH, NC 27612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | $0 | $17K | 25.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $549 | $1K | $2K | 2.50% |
| PROGRESSIVE BENEFIT SOLUT3 | 2301 SUGAR BUSH RD. STE 220 RALEIGH, NC 27612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $0 | $16K | 25.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $110 | $219 | $329 | 2.49% |
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 | 916 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 920 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 1,355 | $478K |
| Vision | NATIONAL VISION ADMINISTRATORS (NGL) | 675 | $130K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 916 | $66K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 916 | $117K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 916 | $126K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 916 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,355 | — |
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.