| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.61% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $715 | $715 | 0.80% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP | 2301 SUGAR BUSH ROAD STE 600 RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | STARMOUNT LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | STARMOUNT LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM INSURANCE COMPANY | — | $977 | $977 | 5.01% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM INSURANCE COMPANY | $3K | — | $3K | 15.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM INSURANCE COMPANY | — | $835 | $835 | 5.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD STE 600 RALEIGH, NC 27612 | METLIFE LEGAL PLANS | $2K | — | $2K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RJF AGENCIES, INC | 7225 NORTHLAND DRIVE NORTH STE 300 MINNEAPOLIS, MN 55428 | METLIFE LEGAL PLANS | — | $62 | $62 | 0.59% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 250 PEHLE AVE, STE 400 SADDLE BROOK, NJ 07663 | METLIFE LEGAL PLANS | — | $25 | $25 | 0.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METLIFE LEGAL PLANS | — | $4 | $4 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $704 | $828 | $2K | 21.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $52 | $27 | $79 | 1.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1550 AVIATION PKWY STE 300 MORRISVILLE, NC 27703 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $45 | $14 | $59 | 0.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2, STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $5 | $5 | 0.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $61 | $25 | $86 | 5.25% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $71 | — | $71 | 4.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1550 AVIATION PKWY STE 300 MORRISVILLE, NC 27703 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $38 | $13 | $51 | 3.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2, STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $3 | $3 | 0.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1550 AVIATION PKWY STE 300 MORRISVILLE, NC 27703 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $1 | $1 | 0.06% |
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 | 416 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 423 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 336 | $35K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 416 | $239K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 416 | $150K |
| Other(9 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 416 | $353K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 416 | — |
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.