| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD SUITE 600 RALEIGH, NC 27612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $0 | $11K | 18.63% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP | OF NORTH CAROLINA, LLC P.O. BOX 25172 WINSTON-SALEM, NC 27114 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $801 | $0 | $801 | 1.37% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD SUITE 600 RALEIGH, NC 27612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $0 | $9K | 17.95% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP | OF NORTH CAROLINA, LLC P.O. BOX 25172 WINSTON-SALEM, NC 27114 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD SUITE 600 RALEIGH, NC 27612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 18.47% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP | OF NORTH CAROLINA, LLC P.O. BOX 25172 WINSTON-SALEM, NC 27114 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $553 | $0 | $553 | 1.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD STE 600 RALEIGH, NC 276123382 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.50% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP | OF NORTH CAROLINA, LLC 530 N TRADE ST STE 302 WINSTON SALEM, NC 271012957 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $77 | $0 | $77 | 0.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD SUITE 600 RALEIGH, NC 27612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $749 | $0 | $749 | 16.92% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP | OF NORTH CAROLINA, LLC P.O. BOX 25172 WINSTON-SALEM, NC 27114 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $136 | $0 | $136 | 3.07% |
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 | 202 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 310 | $16K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 153 | $50K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 68 | $36K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 236 | $59K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 153 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.