| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $42K | $0 | $42K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2 MORRISEY BOULEVARD DORCHESTER, MA 02125 | COMMUNITY EYE CARE | $9K | $0 | $9K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2301 SUGAR BUSH ROAD, SUITE 600 RALEIGH, NC 27612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 7.59% |
| GINA BOGUE WAINWRIGHT3 Filed as: GINA B. WAINWRIGHT | 4102 COUNTRY CLUB ROAD MOREHEAD CITY, NC 28557 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.90% |
| JILL R LAMBERT3 Filed as: JILL W. DENTON | 3500 WESTGATE DRIVE, SUITE 602 DURHAM, NC 27707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $334 | $0 | $334 | 0.58% |
| MJ INSURANCE3 Filed as: JEFFREY D HEDGES AND VARIOUS AGENTS | 2536 CYPRESS OAK LANE GASTONIA, NC 28056 | CONTINENTAL AMERICAN INSURANCE COMPANY | $285 | $0 | $285 | 0.49% |
| LARRY A WESTON JR3 Filed as: LARRY A. WESTON, JR. | 209 BRISTOL COURT GREENVILLE, NC 27834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $209 | $0 | $209 | 0.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | CONTINENTAL AMERICAN INSURANCE COMPANY | $98 | $0 | $98 | 0.17% |
| VERONICA HEDGES3 | 2536 CYPRESS OAK LANE GASTONIA, NC 28056 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | $0 | $79 | 0.14% |
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 | 759 | 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) | 759 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMMUNITY EYE CARE | 942 | $87K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 759 | $705K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 759 | $705K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 759 | $705K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 759 | $763K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 942 | — |
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.