| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH STREET S STE 102 BIRMINGHAM, AL 35233 | CONTINENTAL AMERICAN INSURANCE COMPANY | $112K | — | $112K | 20.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD SUITE 600 RALEIGH, NC 27612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $112K | — | $112K | 20.59% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $12K | $22K | 6.42% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $20K | $30K | 9.18% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $15K | $22K | 9.40% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $21K | $26K | 14.92% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 Filed as: PROGRESSIVE BENEFIT SOLUTIONS | 2301 SUGAR BUSH RD #220 RALEIGH, NC 27612 | EYEMED VISION CARE | $15K | — | $15K | 11.24% |
| DIRECTPATH, LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.76% |
| HUNEYCUTT, JOHNNY, C3 | PO BOX 520 BADIN, NC 28009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $353 | — | $353 | 0.27% |
| LOWDER, ROBERT, ERIC3 | 609 HAZELWOOD DR ALBEMARLE, NC 28001 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $353 | — | $353 | 0.27% |
| RAMEY, ROY, DEAN3 | 7200 CREEDMOOR RD STE 202-C RALEIGH, NC 27613 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $308 | — | $308 | 0.23% |
| RAMEY, RICHARD, DEAN3 | P O BOX 17967 RALEIGH, NC 27619 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $206 | — | $206 | 0.16% |
| PRICE, RICHARD, LEE3 | PO BOX 17474 RALEIGH, NC 27619 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $128 | — | $128 | 0.10% |
| WEST, ROBERT, C3 | 20245 NC 138 HWY ALBEMARLE, NC 28001 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.04% |
| DIRECTPATH, LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $170 | $0 | $170 | 4.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $170 | $0 | $170 | 4.34% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 Filed as: PROGRESSIVE BENEFIT SOLUTIONS | 2301 SUGAR BUSH RD #220 RALEIGH, NC 27612 | EYEMED VISION CARE | $111 | — | $111 | 11.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBS OF SOUTH CAROLINA EIN 57-0287419 NONE | Claims processing; Other services Service code 12 | — | $12.0M |
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MANAGE | Claims processing; Direct payment from the plan; Float revenue; Other fees Service code 12 | — | $7.6M |
| FLORES & ASSOCIATES EIN 56-1542307 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $35K |
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 | 4,194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 74 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 4,232 | $794K |
| Vision(2 contracts) | EYEMED VISION CARE | 3,646 | $137K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,858 | $692K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,310 | $349K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,312 | $177K |
| Other(5 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 4,109 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,232 | — |
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.