| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | — | $16K | 0.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $3K | $8K | 8.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $2K | $5K | 8.28% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $932 | $618 | $2K | 8.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $485 | $199 | $684 | 7.05% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $287 | — | $287 | 3.18% |
| GOODRUM, PHILLIP, PORTER3 Filed as: GOODRUM,PHILLIP,PORTER | 6230 FAIRVIEW ROAD STE 210 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20 | — | $20 | 0.22% |
| ANN M PALMER4 | 311 SUNNYSIDE AVE MURRELLS INLET, SC 29576 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $155 | — | $155 | 4.72% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: MARSH & MCLENNAN AGENCY | 9850 NW 41ST STREET STE 100 DORAL, FL 33178 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $120 | — | $120 | 3.65% |
| USI INSURANCE SERVICES LLC4 Filed as: USI INSURANCE SERVICES L | 1 CONCOURSE PKWY STE 700 ATLANTA, GA 30328 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $105 | $0 | $105 | 3.20% |
| GOODRUM, PHILLIP, PORTER3 | 6230 FAIRVIEW RD STE 210 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 2.81% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 1.78% |
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 | 367 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 369 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 292 | $3.8M |
| Vision | COMMUNITY EYE CARE | 416 | $26K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 366 | $94K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 61 | $19K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 366 | $58K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 366 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 416 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.