| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 17335 GOLF PKWY STE 450 BROOKFIELD, WI 53045 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.52% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 17335 GOLF PKWY STE 450 BROOKFIELD, WI 53045 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.17% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 17335 GOLF PKWY STE 450 BROOKFIELD, WI 53045 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.48% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 17335 GOLF PKWY STE 450 BROOKFIELD, WI 53045 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.92% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 17335 GOLF PKWY STE 450 BROOKFIELD, WI 53045 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.32% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 17335 GOLF PKWY STE 450 BROOKFIELD, WI 53045 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $943 | $943 | 5.28% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM INSURANCE COMPANY | $3K | $634 | $3K | 25.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM INSURANCE COMPANY | $2K | $515 | $3K | 25.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM INSURANCE COMPANY | $2K | $438 | $2K | 25.01% |
| BRANDON J MOOREFIELD3 | 2301 SUGAR BUSH ROAD SUITE 600 RALEIGH, NC 27612 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $56K | $0 | $56K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF NC EIN 56-0894904 CLAIMS PROCESSOR | Insurance agents and brokers; Claims processing Service code 12 | 4615 UNIVERSITY DR DURHAM, NC 27707 | $42K |
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 | 231 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TELADOC | 428 | $13K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 222 | $183K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $22K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 231 | $75K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $72K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 231 | $53K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 428 | $0 |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 231 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 428 | — |
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.