| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD, SUITE 220 RALEIGH, NC 27612 | SUN LIFE ASSURANCE COMPANY OF CANADA | $59K | — | $59K | 10.71% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $6K | $20K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 SOUTH JEFFERSON ST ROANOKE, VA 24011 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | $2K | $31K | 20.21% |
| WORKPLACE SOLUTIONS, INC.3 | 120-A GILLS CREEK PKWY COLUMBIA, SC 29209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 7.32% |
| BOUDREAUX, BEAU, DAVID3 | 120-A GILLS CREEK PKWY COLUMBIA, SC 29209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $725 | — | $725 | 0.47% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $3K | $12K | 14.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD, SUITE 220 RALEIGH, NC 276122956 | VSP | $2K | — | $2K | 3.14% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 14.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 9.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 14.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $522 | $2K | 19.00% |
| WILLIAM F SALMON3 Filed as: WILLIAM SALMON | 2301 SUGAR BUSH ROAD, SUITE 220 RALEIGH, NC 27612 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $12K | — | $12K | — |
| JOHN MCDONNELL3 | 2301 SUGAR BUSH ROAD, SUITE 220 RALEIGH, NC 27612 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $2K | — | $2K | — |
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 | 1,052 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,052 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 1,052 | $0 |
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 555 | $280K |
| Vision(2 contracts, 2 carriers) | VSP | 1,052 | $68K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 916 | $588K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 136 | $40K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $31K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 1,052 | $0 |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 916 | $269K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,052 | — |
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."
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.