| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD SUITE 600 RALEIGH, NC 27612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $235K | — | $235K | 7.75% |
| THE ORIENTATION COMPANY, INC.3 Filed as: THE ORIENTATION COMPANY INC | 5 COWBOY WAY SUITE 300 FRISCO, TX 75034 | CONTINENTAL AMERICAN INSURANCE COMPANY | $187K | — | $187K | 6.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVE STE 400 ANCORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $88K | — | $88K | 2.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH ROAD, SUITE 300 CHARLOTTE, NC 28211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41K | — | $41K | 1.36% |
| OPTAVISE, LLC3 | 120 18TH STREET BIRMINGHAM, AL 35233 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$751 | — | -$751 | -0.02% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $55K | $35K | $90K | 4.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | PO BOX 785700 PHILADEPHIA, PA 19178 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 0.26% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $53K | $35K | $88K | 4.55% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | PO BOX 785700 BIRMINGHAM, PA 19178 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 0.26% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | $35K | $72K | 5.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | PO BOX 785700 PHILADEPHIA, PA 19178 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 0.41% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | $35K | $70K | 7.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | PO BOX 785700 PHILADELPHIA, PA 19178 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 0.27% |
| PROGRESSIVE BENEFIT SOL3 | A MARSH MCLENNAN AGCY 2301 SUGAR BUSH RD #600 RALEIGH, NC 27612 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $55K | — | $55K | 6.80% |
| PROGRESSIVE BENEFIT SOL2 | A MARSH MCLENN 2301 SUGAR BUSH RD #220 RALEIGH, NC 27612 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $6K | — | $6K | 0.75% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $4K | $7K | 6.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | PO BOX 785700 PHILADELPHIA, PA 19178 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $318 | — | $318 | 0.27% |
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 | 8,481 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 327 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,856 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 13,477 | $5.0M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 11,967 | $811K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,823 | $3.0M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,100 | $1.9M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,867 | $1.4M |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 8,823 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,477 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.