| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARRY L. HILL3 | — | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $296 | — | $296 | 0.01% |
| BARRY L. HILL3 | — | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $51 | — | $51 | 0.01% |
| BARRY L. HILL3 | — | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $119 | — | $119 | 0.03% |
| BARRY L. HILL3 | — | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $96 | — | $96 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $40K | — | $40K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 16.46% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP | MARSH AND MCLENNAN AGENCY 2301 SUGAR BUSH RD STE 600 RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $145 | — | $145 | 0.18% |
| CURTIS LARSON3 Filed as: CURTIS D EPP | 1501 LAKESTONE VILLAGE LANE SUITE 205 FUQUAY-VARINA, NC 27526 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $62 | — | $62 | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | GENWORTH LIFE INSURANCE COMPANY | $9K | — | $9K | 13.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | — | UNUM INSURANCE COMPANY | $4K | — | $4K | 13.65% |
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 | 205 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 323 | $3.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 556 | $195K |
| Vision(4 contracts) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 323 | $3.8M |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 214 | $301K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 214 | $268K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 214 | $268K |
| Prescription drug(4 contracts) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 323 | $3.8M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 297 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 556 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.