| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 3625 N. ELM ST. #200 GREENSBORO, NC 27455 | AMERITAS LIFE INSURANCE CORPORATION | $6K | — | $6K | 9.04% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 4725 PIEDMONT ROW DR. STE 510 CHARLOTTE, NC 28210 | AMERITAS LIFE INSURANCE CORPORATION | $5K | — | $5K | 8.00% |
| SRA INSURANCE AGENCY LLC3 Filed as: SRA BENEFITS CONSULTING LLC | 4700 SIX FORKS ROAD STE 200 RALEIGH, NC 27609 | AMERITAS LIFE INSURANCE CORPORATION | $1K | — | $1K | 1.97% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5145 GREENVILLE, SC 29606 | AMERITAS LIFE INSURANCE CORPORATION | — | $1K | $1K | 1.97% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DR. STE 510 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $140 | $1K | 11.26% |
| SRA INSURANCE AGENCY LLC3 Filed as: SRA BENEFITS CONSULTING, LLC | 4700 SIX FORKS ROAD STE 200 RALEIGH, NC 27609 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $463 | — | $463 | 3.93% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $352 | — | $352 | 2.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $62 | $62 | 0.53% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE CHARLOTTE, NC 28210 | METROPOLITAN LIFE INSURANCE COMPANY | $744 | — | $744 | 6.36% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 412703 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $207 | — | $207 | 1.77% |
| SRA INSURANCE AGENCY LLC3 Filed as: SRA BENEFITS CONSULTING LLC | 4700 SIX FORKS ROAD RALEIGH, NC 27609 | METROPOLITAN LIFE INSURANCE COMPANY | $146 | — | $146 | 1.25% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DR. STE 510 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $263 | $44 | $307 | 8.40% |
| SRA INSURANCE AGENCY LLC3 Filed as: SRA BENEFITS CONSULTING LLC | 4700 SIX FORKS ROAD STE 200 RALEIGH, NC 27609 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $101 | — | $101 | 2.76% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 2375 GREENSBORO, NC 27429 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $74 | — | $74 | 2.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $19 | $19 | 0.52% |
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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 231 | $62K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 128 | $12K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 181 | $15K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 181 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.