| 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 | $68K | $40K | $108K | 4.76% |
| OPTAVISE, LLC3 Filed as: OPTAVISE LLC | 120 18TH ST STE 102 BIRMINGHAM, AL 35233 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $33K | $33K | 1.45% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $67K | $40K | $107K | 4.79% |
| OPTAVISE, LLC3 Filed as: OPTAVISE LLC | 120 18TH ST STE 102 BIRMINGHAM, AL 35233 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $33K | $33K | 1.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD SUITE 600 RALEIGH, NC 27612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $216K | $0 | $216K | 10.10% |
| TRION GROUP, INC.3 Filed as: TRION GROUP, | A MARSH MCLENNAN AGENCY 2300RENAISSANC E BLVD KING OF PRUSSIA, PA 19406 | CONTINENTAL AMERICAN INSURANCE COMPANY | $144K | $0 | $144K | 6.73% |
| OPTAVISE, LLC3 | 120 18TH STREET BIRMINGHAM, AL 35233 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72K | $0 | $72K | 3.38% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $44K | $40K | $84K | 5.72% |
| OPTAVISE, LLC3 Filed as: OPTAVISE LLC | 120 18TH ST STE 102 BIRMINGHAM, AL 35233 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $22K | $22K | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | $39K | $74K | 6.34% |
| OPTAVISE, LLC3 Filed as: OPTAVISE LLC | 120 18TH ST STE 102 BIRMINGHAM, AL 35233 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $17K | $17K | 1.45% |
| PROGRESSIVE BENEFIT SOL3 | A MARSH MCLENNAN AGCY 2301 SUGAR BUSH RD #220 RALEIGH, NC 27612 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $39K | $0 | $39K | 5.52% |
| 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 | $36K | $0 | $36K | 5.21% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $4K | $8K | 6.13% |
| OPTAVISE, LLC3 Filed as: OPTAVISE LLC | 120 18TH ST STE 102 BIRMINGHAM, AL 35233 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.45% |
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 | 9,005 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,053 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 14,445 | $5.2M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 12,748 | $698K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 9,005 | $3.4M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,022 | $2.2M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 9,135 | $1.5M |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 9,005 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,445 | — |
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.