| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $21K | $43K | 5.83% |
| DIRECTPATH, LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $53K | $6K | $59K | 11.96% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $53K | $4K | $57K | 11.42% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $16K | $28K | 6.88% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $39K | $2K | $41K | 10.84% |
| DIRECTPATH, LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $39K | — | $39K | 10.28% |
| HUNEYCUTT, JOHNNY, C3 | PO BOX 520 BADIN, NC 28009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.40% |
| LOWDER, ROBERT, ERIC3 | 609 HAZELWOOD DR ALBEMARLE, NC 28001 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.40% |
| RAMEY, ROY, DEAN3 | 7200 CREEDMOOR RD STE 202-C RALEIGH, NC 27613 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.34% |
| PRICE, RICHARD, LEE3 | PO BOX 17474 RALEIGH, NC 27619 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $746 | — | $746 | 0.20% |
| RAMEY, RICHARD, DEAN3 | P O BOX 17967 RALEIGH, NC 27619 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $681 | — | $681 | 0.18% |
| WEST, ROBERT, C3 | 20245 NC 138 HWY ALBEMARLE, NC 28001 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $312 | — | $312 | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $9K | $18K | 6.36% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $8K | $16K | 6.35% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 Filed as: PROGRESSIVE BENEFIT SOLUTIONS | 2301 SUGAR BUSH RD #220 RALEIGH, NC 27612 | EYEMED VISION CARE | $18K | — | $18K | 10.80% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 Filed as: PROGRESSIVE BENEFIT SOLUTIONS | 2301 SUGAR BUSH RD #220 RALEIGH, NC 27612 | EYEMED VISION CARE | $51 | — | $51 | 12.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES EIN 41-1289245 NONE | Claims processing; Other services Service code 12 | — | $874K |
| ADP EIN 22-3339704 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $256K |
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 | 2,318 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 3,689 | $1.1M |
| Vision(2 contracts) | EYEMED VISION CARE | 3,092 | $169K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,470 | $1.0M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,863 | $743K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,863 | $279K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,470 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,689 | — |
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.