| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | 2301 SUGAR BUSH ROAD SUITE 600 RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 13.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | 2301 SUGAR BUSH ROAD SUITE 600 RALEIGH, NC 27612 | GENWORTH LIFE INSURANCE COMPANY | $27K | — | $27K | 63.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | 2301 SUGAR BUSH ROAD SUITE 600 RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 45.23% |
| CURTIS LARSON3 Filed as: CURTIS D EPP | EPPIC INSURANCE SERVICES LLC 1501 LAKESTONE VILLAGE LANE STE 205 FUQUAY VARINA, NC 27526 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 19.38% |
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 | 424 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 261 | $2.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 424 | $179K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 269 | $15K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 161 | $177K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 161 | $177K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 161 | $177K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 261 | $2.0M |
| Other(2 contracts, 2 carriers) | GENWORTH LIFE INSURANCE COMPANY | 161 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 424 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.