| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 5605 CARNEGIE BOULEVARD, SUITE 300 CHARLOTTE, NC 28209 | HARTFORD LIFE AND ACCIDENT | $46K | $0 | $46K | 11.35% |
| INDEPENDENT BENEFIT SERVICES3 Filed as: INDEPENDENT BENEFIT ADVISORS | 1111 PEMBERTON HILL ROAD, SUITE 101 APEX, NC 27502 | HARTFORD LIFE AND ACCIDENT | $24K | $0 | $24K | 6.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $10K | $10K | 2.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 161 WASHINGTON STREET, SUITE 1200 CONSHOHOCKEN, PA 19428 | DELTA DENTAL OF NORTH CAROLINA | $15K | $0 | $15K | 6.65% |
| INDEPENDENT BENEFIT SERVICES3 Filed as: INDEPENDENT BENEFIT ADVISORS | 1121 PEMEBRTON HILL ROAD APEX, NC 27502 | DELTA DENTAL OF NORTH CAROLINA | $6K | $0 | $6K | 2.49% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 1121 PEMBERTON HILL ROAD APEX, NC 27502 | COMMUNITY EYE CARE | $3K | $0 | $3K | 10.02% |
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 | 868 | 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) | 868 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 715 | $222K |
| Vision | COMMUNITY EYE CARE | 625 | $30K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 868 | $406K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 868 | $406K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 868 | $406K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,646 | $492K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,646 | — |
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.