| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $50K | $2K | $52K | 9.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD RALEIGH, NC 27612 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | $0 | $16K | 11.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 12.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 12.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD STE 600 RALEIGH, NC 27612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 14.59% |
| DONNA H COREY3 | 988 JONES WYND WAKE FOREST, NC 27587 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 12.06% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DR #602 DURHAM, NC 27707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $582 | $0 | $582 | 3.19% |
| RYAN SCOTT SHADEL3 | 3100 BLUFF LANE HILLSBOROUGH, NC 27278 | CONTINENTAL AMERICAN INSURANCE COMPANY | $102 | $0 | $102 | 0.56% |
| MICHAEL S WITHROW3 Filed as: MICHAEL SHANE WITHROW | 1104 ALSTON MANOR STREET CARY, NC 27519 | CONTINENTAL AMERICAN INSURANCE COMPANY | $82 | $0 | $82 | 0.45% |
| MARY ELLEN ESPOSITO3 | PO BOX 90891 RALEIGH, NC 27675 | CONTINENTAL AMERICAN INSURANCE COMPANY | $57 | $0 | $57 | 0.31% |
| LARRY A WESTON JR3 Filed as: LARRY A WESTON, JR. | 209 BRISTOL COURT GREENVILLE, NC 27834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $0 | $12 | 0.07% |
| TEATORS INS PROTECTION SERVICES3 | 519 SHERWOOD FOREST PLACE CARY, NC 27513 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | $0 | $9 | 0.05% |
| CATHERINE L LEE3 | 10 NUN ST WILMINGTON, NC 28401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| LAUREN E SKINNER3 | 204 E ARLINGTON BLVD STE C GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| GORDON K VANN3 | 2156 WESLEY LANE GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| THE DIAMOND AGENCY LLC3 Filed as: THE DIAMOND AGENCY | 1017 ASHES DRIVE STE 106 WILMINGTON, NC 28405 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$3 | $0 | -$3 | -0.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $661 | $0 | $661 | 12.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $455 | $0 | $455 | 13.01% |
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 | 223 | 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) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 242 | $550K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 159 | $135K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 159 | $135K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 222 | $6K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 41 | $28K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 34 | $25K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 242 | $550K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 222 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.