| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | — | $32K | 16.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 10.08% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP | MARSH AND MCLENNAN AGENCY LLC 2301 SUGAR BUSH RD STE 600 RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 9.90% |
| CURTIS LARSON3 Filed as: CURTIS D EPP | 1501 LAKESTONE VILLAGE LANE SUITE 205 FUQUAY-VARINA, NC 27526 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 4.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | GENWORTH LIFE INSURANCE COMPANY | $16K | — | $16K | 30.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LCC | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM INSURANCE COMPANY | $3K | — | $3K | 16.23% |
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 | 456 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 456 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 299 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 456 | $161K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 315 | $18K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 170 | $220K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 170 | $200K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 170 | $200K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 299 | $1.8M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 299 | $360K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 456 | — |
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.