| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2301 SUGAR BUSH ROAD SUITE 600 RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $6K | $15K | 4.83% |
| PREMIER WEALTH RESOURCES, LLC3 | SUITE 240 1130 SITUS CT RALEIGH, NC 27606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$178 | — | -$178 | -0.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2301 SUGAR BUSH ROAD SUITE 600 RALEIGH, NC 27612 | DELTA DENTAL OF NORTH CAROLINA | $20K | — | $20K | 7.92% |
| DIRECTPATH, LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14K | $2K | $16K | 20.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2301 SUGAR BUSH RD SUITE 600 RALEIGH, NC 27612 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14K | $1K | $16K | 19.46% |
| THE CASON GROUP INC3 | 8317 SIX FORKS RD STE 201 RALEIGH, NC 27615 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $148 | $2K | 3.13% |
| CRAIG KNIGHT & ASSOCIATES3 | LLC DBA KNIGHT INSURANCE 100 BOONER SQUARE ST STE 7 HILLSBORO, NC 27278 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.51% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE SERVICES INC | PO BOX 327 GARNER, NC 27529 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $656 | — | $656 | 0.82% |
| PREMIER WEALTH RESOURCES, LLC3 Filed as: PREMIER WEALTH RESOURCES LLC | SUITE 240 1130 SITUS CT RALEIGH, NC 27606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $450 | — | $450 | 0.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2301 SUGAR BUSH ROAD SUTIE 600 RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $892 | $4K | 8.31% |
| PREMIER WEALTH RESOURCES, LLC3 Filed as: PREMIER WEALTH RESOURCES LLC | SUITE 240 1130 SITUS CT RALEIGH, NC 27606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$198 | — | -$198 | -0.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2301 SUGAR BUSH ROAD SUITE 600 RALEIGH, NC 27612 | COMMUNITY EYE CARE | $4K | — | $4K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2301 SUGAR BUSH ROAD SUITE 600 RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $727 | $6K | 17.13% |
| PREMIER WEALTH RESOURCES, LLC3 Filed as: PREMIER WEALTH RSOURCES, LLC | SUITE 240 1130 SITUS CT RALEIGH, NC 27606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$492 | — | -$492 | -1.36% |
| DIRECTPATH, LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $532 | $4K | 20.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2301 SUGAR BUSH ROAD SUITE 600 RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $322 | $4K | 19.12% |
| THE CASON GROUP INC3 | 8317 SIX FORKS RD STE 201 RALEIGH, NC 27615 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $581 | $31 | $612 | 3.32% |
| PREMIER WEALTH RESOURCES, LLC3 Filed as: PREMIER WEALTH RESOURCES LLC | SUITE 240 1L30 SITUS CT RALEIGH, NC 27606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $520 | — | $520 | 2.82% |
| CRAIG KNIGHT & ASSOCIATES3 | LLC DBS KNIGHT INSURANCE 110 BOONE SQUARE ST STE 7 HILLSBORO, NC 27278 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $387 | — | $387 | 2.10% |
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 | 420 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 420 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 589 | $254K |
| Vision | COMMUNITY EYE CARE | 302 | $42K |
| Life insurance(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 420 | $165K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 405 | $319K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 405 | $319K |
| Other(4 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 420 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 589 | — |
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.