| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD STE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 200 BROOKSTONE CENTRE PKWY STE 118 COLUMBUS, GA 31904 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD STE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 200 BROOKSTONE CENTRE PKWY STE 118 COLUMBUS, GA 31904 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD STE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 200 BROOKSTONE CENTRE PKWY STE 118 COLUMBUS, GA 31904 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 6.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD STE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 200 BROOKSTONE CENTRE PKWY STE 118 COLUMBUS, GA 31904 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 7.62% |
| MARY E ESPOSITO3 | 4020 LILA BLUE LN RALEIGH, NC 276126955 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.39% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 2 GLENMORE DRIVE DURHAM, NC 27707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $497 | $0 | $497 | 1.42% |
| CATHERINE L LEE3 Filed as: CATHERINE LOUISE LEE | 10 NUN STREET WILMINGTON, NC 28401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | $0 | $51 | 0.15% |
| TEATOR'S INS PROTECTION SERVICES3 Filed as: TEATOR'S INSURANCE PROTECTION SVCS | 228 WOODFIELD CT FUQUAY VARINA, NC 275265650 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | $0 | $36 | 0.10% |
| THE DIAMOND AGENCY LLC3 | 1017 ASHES DRIVE SUITE 106 WILMINGTON, NC 28405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | $0 | $27 | 0.08% |
| RUEANN EMERSON3 Filed as: RUEANN MARIE EMERSON | 142 NE 1ST ST OAK ISLAND, NC 284656835 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | $0 | $8 | 0.02% |
| GORDON K VANN3 | 2156 WESLEY LN GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| LARA K GRANDE3 Filed as: LARA KELLAHAN C GRANDE | 1022 WESTHAVEN BLVD FRANKLIN, TN 370644865 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| RYAN SCOTT SHADEL3 | 3100 BLUFF LANE HILLSBOROUGH, NC 27278 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| STEVEN W COOPER3 | 2400 DAVIS RD HILLSBOROUGH, NC 27278 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| MELISSA A RHODES3 | 306 ROLLINGWOOD DR NEWPORT, NC 28570 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| WILLIAM L BAKER IV3 Filed as: WILLIAM L BAKER | 10716 MARTHAS WAY RALEIGH, NC 27615 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD STE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 200 BROOKSTONE CENTRE PKWY STE 118 COLUMBUS, GA 31904 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD STE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 200 BROOKSTONE CENTRE PKWY STE 118 COLUMBUS, GA 31904 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $867 | $867 | 5.51% |
| BRANDON J MOOREFIELD3 | 2301 SUGAR BUSH ROAD SUITE 600 RALEIGH, NC 27612 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $74K | $0 | $74K | — |
| 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 | $35K |
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 | 201 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TELADOC | 394 | $12K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 193 | $154K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 165 | $19K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $68K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $88K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $44K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 394 | $0 |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 394 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.