| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUG SUTTON & ASSOCIATES3 | PO BOX 20104 RALEIGH, NC 27619 | METROPOLITAN LIFE INSURANCE CORPORATION USED FOR DENTAL | $54K | $2K | $57K | 12.44% |
| DOUG SUTTON & ASSOCIATES3 | PO BOX 20104 RALEIGH, NC 27619 | COMPANION LIFE COLUMBIA SC USED FOR SPECIFIC STOP LOSS | $32K | — | $32K | 12.00% |
| DOUG SUTTON & ASSOCIATES3 | PO BOX 20104 RALEIGH, NC 27619 | METROPOLITAN LIFE INSURANCE COMPANY USED FOR VISION | $8K | $366 | $9K | 12.35% |
| DOUG SUTTON & ASSOCIATES3 | PO BOX 20104 RALEIGH, NC 27619 | LINCOLN NATIONAL LIFE INSURANCE COMPANY USED FOR LTD | $4K | — | $4K | 11.29% |
| DOUG SUTTON & ASSOCIATES3 | PO BOX 20104 RALEIGH, NC 27619 | METROPOLITAN LIFE INSURANCE USED FOR LIFE | $4K | $186 | $4K | 14.26% |
| DOUG SUTTON & ASSOCIATES3 | PO BOX 20104 RALEIGH, NC 27619 | METROPOLITAN LIFE INSURANCE USED FOR AD&D | $1K | $51 | $1K | 14.31% |
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 | 997 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 997 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE CORPORATION USED FOR DENTAL | 997 | $456K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY USED FOR VISION | 997 | $69K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE USED FOR LIFE | 997 | $39K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY USED FOR LTD | 997 | $38K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE COLUMBIA SC USED FOR SPECIFIC STOP LOSS | 997 | $264K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 997 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.