| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD, SUITE 220 RALEIGH, NC 276122956 | SUN LIFE ASSURANCE COMPANY OF CANADA | $102K | — | $102K | 14.32% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE PARK 80 WEST PLAZA SADDLE BROOK, NJ 07663 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $7K | $7K | 0.96% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $7K | $23K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $15K | $15K | 4.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 SOUTH JEFFERSON ST ROANOKE, VA 24011 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | $2K | $30K | 20.65% |
| WORKPLACE SOLUTIONS, INC.3 | 120-A GILLS CREEK PKWY COLUMBIA, SC 29209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.17% |
| BOUDREAUX, BEAU, DAVID3 | 120-A GILLS CREEK PKWY COLUMBIA, SC 29209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $225 | — | $225 | 0.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD STE 600 RALEIGH, NC 276122956 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | — | $19K | 13.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE PARK 80 WEST PLAZA SADDLE BROOK, NJ 07663 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 1.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD, SUITE 220 RALEIGH, NC 276122956 | VSP | $2K | — | $2K | 2.89% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 14.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 4.51% |
| 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 | $2K | 4.53% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $467 | $2K | 19.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $636 | $636 | 5.44% |
| WILLIAM F SALMON3 Filed as: WILLIAM SALMON | 2301 SUGAR BUSH ROAD, SUITE 220 RALEIGH, NC 276122956 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $17K | — | $17K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MARSH & MCLENNAN AGENCY, LLC EIN 26-3237576 ADMINISTRATOR | Contract Administrator Service code 13 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | $7K |
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 | 1,179 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 1,179 | $0 |
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 641 | $329K |
| Vision(2 contracts, 2 carriers) | VSP | 1,179 | $79K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,123 | $854K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 167 | $52K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 134 | $40K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 1,179 | $0 |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,123 | $288K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,179 | — |
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.