| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET, SUITE 1710 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $114K | $0 | $114K | 2.00% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC BENEFITS ADVISORS, INC. | 1932 WYNNTON ROAD COLUMBUS, GA 31399 | CONTINENTAL AMERICAN INSURANCE COMPANY | $581K | $0 | $581K | 22.54% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE CHARLOTTE, NC 28210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $118K | $0 | $118K | 4.56% |
| MJ INSURANCE3 Filed as: TERRI G. MOOSE AND VARIOUS AGENTS | 135 GROWNE CHASE DRIVE, APARTMENT 3 WINSTON-SALEM, NC 27104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.10% |
| JOHN MIKE BUTLER3 | 1090 13TH AVENUE NW HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.07% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICES INC. | 158 PRINTERS LANE NEW LONDON, NC 28127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.05% |
| GRANT R EWING3 Filed as: GRANT R. EWING | 1348 VALHALLA DRIVE DENVER, NC 28037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $702 | $0 | $702 | 0.03% |
| GAGE BENEFIT ADVISORS, INC.3 | 525 NORTH TRYON, SUITE 1800 CHARLOTTE, NC 28202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $657 | $0 | $657 | 0.03% |
| PACIFIC RESEARCH BENEFIT ADVISORS3 | 75 STATE STREET, SUITE 1710 BOSTON, MA 02109 | METROPOLITAN LIFE INSURANCE COMPANY | $83K | $46K | $129K | 5.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET, SUITE 1710 BOSTON, MA 02109 | VISION SERVICE PLAN | $27K | $0 | $27K | 1.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET, SUITE 1710 BOSTON, MA 02109 | AETNA LIFE INSURANCE COMPANY | $86K | $0 | $86K | 9.05% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC BENEFITS ADVISORS | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | TRANSAMERICA LIFE INSURANCE COMPANY | $237K | $0 | $237K | 28.10% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE, SUITE 510 CHARLOTTE, NC 28210 | TRANSAMERICA LIFE INSURANCE COMPANY | $913 | $0 | $913 | 0.11% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC BENEFITS ADVISORS | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | METLIFE LEGAL PLANS | $20K | $0 | $20K | 7.88% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | METLIFE LEGAL PLANS | $9K | $0 | $9K | 3.58% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS | $0 | $575 | $575 | 0.23% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE, SUITE 510 CHARLOTTE, NC 28210 | METLIFE LEGAL PLANS | $0 | $71 | $71 | 0.03% |
| BRANDON S BRICKWEG3 Filed as: BRANDON S. BRICKWEG | 144 HEATHLAND LANE MOORESVILLE, NC 28117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $1K | $7K | 3.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC. | 1901 ROXBOROUGH ROAD, SUITE 315 CHARLOTTE, NC 28211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 3.42% |
| THE PARTNERS GROUP3 Filed as: TPG CONSULTING, LLC | 6518 AIRPORT CENTER DRIVE SUITE 203 GREENSBORO, NC 27409 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.22% |
| PLYBON & ASSOCIATES INC3 Filed as: PLYBON AND ASSOCIATES INC. | 6518 AIRPORT CENTER DRIVE SUITE 101 GREENSBORO, NC 27425 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 0.92% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HIGHWAY SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $754 | $754 | 0.41% |
| BLAIR W ASHCRAFT3 Filed as: BLAIR W. ASHCRAFT | 4350 CONGRESS STREET, SUITE 300 CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $636 | $0 | $636 | 0.34% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS INC. | 1125 NW COUCH STREET, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $541 | $541 | 0.29% |
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 | 15,674 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 74 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,363 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 1,001 | $954K |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,001 | $954K |
| Vision | VISION SERVICE PLAN | 10,909 | $1.7M |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 19,142 | $4.3M |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 15,764 | $6.7M |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 15,764 | $5.9M |
| Other(5 contracts, 5 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 37,898 | $5.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 37,898 | — |
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.