| 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 | $115K | $0 | $115K | 2.18% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE CHARLOTTE, NC 28210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $566K | $0 | $566K | 18.02% |
| GAGE BENEFIT ADVISORS, INC.3 | 525 NORTH TRYON STREET, SUITE 1800 CHARLOTTE, NC 28202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 0.23% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC BENEFITS ADVISORS, INC. | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 0.13% |
| MJ INSURANCE3 Filed as: TERRI MOOSE AND VARIOUS AGENTS | 135 GROWNE CHASE DRIVE APARTMENT 3 WINSTON SALEM, NC 27104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.04% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS, LLC | 158 PRINTER'S LANE NEW LONDON, NC 28127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $665 | $0 | $665 | 0.02% |
| GRANT R EWING3 Filed as: GRANT R. EWING | 1348 VALHALLA DRIVE DENVER, NC 28037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $437 | $0 | $437 | 0.01% |
| JOHN MIKE BUTLER3 Filed as: JOHN BUTLER | 1090 13TH AVENUE NW HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $417 | $0 | $417 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON STREET, SUITE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $85K | $48K | $133K | 5.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | PO BOX 746600 ATLANTA, GA 30374 | VISION SERVICE PLAN | $34K | $0 | $34K | 2.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | PO BOX 746600 ATLANTA, GA 30374 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $110K | $0 | $110K | 15.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.60% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | METLIFE LEGAL PLANS | $28K | $287 | $29K | 10.72% |
| BUSINESSOLVER.COM, INC.3 | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | METLIFE LEGAL PLANS | $0 | $4K | $4K | 1.59% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS | $0 | $3K | $3K | 1.07% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | METLIFE LEGAL PLANS | $0 | $838 | $838 | 0.31% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METLIFE LEGAL PLANS | $0 | $10 | $10 | 0.00% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC BENEFITS ADVISORS, INC. | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | METLIFE LEGAL PLANS | -$9K | — | -$9K | -3.40% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT PARK, SUITE 510 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20K | $4K | $25K | 13.38% |
| BRANDON S BRICKWEG3 Filed as: BRANDON S. BRICKWEG | 144 HEALTHLAND LANE MOORESVILLE, NC 28117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 2.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, INC. | 1901 ROXBOROUGH ROAD, SUITE 300 CHARLOTTE, NC 28211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 1.91% |
| THE PARTNERS GROUP3 Filed as: TPG CONSULTING, LLC | 6520 AIRPORT CENTER DRIVE SUITE 203 GREENSBORO, NC 27409 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $767 | $0 | $767 | 0.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, INC. | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $371 | $371 | 0.20% |
| PLYBON & ASSOCIATES INC3 Filed as: PLYBON AND ASSOCIATES, INC. | 6518 AIRPORT CENTER DRIVE GREENSBORO, NC 27425 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $361 | $0 | $361 | 0.19% |
| 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 | $137 | $137 | 0.07% |
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 | 19,005 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 76 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 468 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 19,549 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 885 | $710K |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 885 | $710K |
| Vision | VISION SERVICE PLAN | 10,467 | $1.6M |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 19,005 | $3.3M |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 15,959 | $6.0M |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 15,959 | $5.4M |
| Other(5 contracts, 5 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 38,493 | $6.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 38,493 | — |
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."
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.