| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUG SUTTON & ASSOCIATES3 | PO BOX 20104 RALEIGH, NC 27619 | BLUE CROSS BLUE SHIELD NC USED FOR SPECIFIC STOP LOSS | $26K | — | $26K | 3.82% |
| DOUG SUTTON & ASSOCIATES3 | PO BOX 20104 RALEIGH, NC 27619 | METROPOLITAN LIFE INSURANCE CORPORATION USED FOR DENTAL | $32K | $1K | $33K | 6.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA | PO BOX 12748 ROANOKE, VA 24028 | METROPOLITAN LIFE INSURANCE CORPORATION USED FOR DENTAL | $19K | $10 | $19K | 3.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE CORPORATION USED FOR DENTAL | $0 | $3K | $3K | 0.65% |
| DOUG SUTTON & ASSOCIATES3 | PO BOX 20104 RALEIGH, NC 27619 | METROPOLITAN LIFE INSURANCE COMPANY USED FOR VISION | $5K | $185 | $5K | 6.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA | PO BOX 12748 ROANOKE, VA 24028 | METROPOLITAN LIFE INSURANCE COMPANY USED FOR VISION | $3K | $10 | $3K | 3.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY USED FOR VISION | $0 | $544 | $544 | 0.65% |
| DOUG SUTTON & ASSOCIATES3 | PO BOX 20104 RALEIGH, NC 27619 | METROPOLITAN LIFE INSURANCE USED FOR LIFE | $3K | $79 | $3K | 5.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA | PO BOX 12748 ROANOKE, VA 24028 | METROPOLITAN LIFE INSURANCE USED FOR LIFE | $2K | $10 | $2K | 3.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE USED FOR LIFE | $0 | $230 | $230 | 0.41% |
| DOUG SUTTON & ASSOCIATES3 | PO BOX 20104 RALEIGH, NC 27619 | LINCOLN NATIONAL LIFE INSURANCE COMPANY USED FOR LTD | $3K | — | $3K | 6.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA | 2301 SUGAR BUSH RD STE 220 RALEIGH, NC 27612 | LINCOLN NATIONAL LIFE INSURANCE COMPANY USED FOR LTD | $2K | — | $2K | 3.72% |
| DOUG SUTTON & ASSOCIATES3 | PO BOX 20104 RALEIGH, NC 27619 | METROPOLITAN LIFE INSURANCE USED FOR AD&D | $821 | $20 | $841 | 5.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA | PO BOX 12748 ROANOKE, VA 24028 | METROPOLITAN LIFE INSURANCE USED FOR AD&D | $504 | $10 | $514 | 3.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE USED FOR AD&D | $0 | $58 | $58 | 0.40% |
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 | 1,074 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,074 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE CORPORATION USED FOR DENTAL | 1,074 | $515K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY USED FOR VISION | 1,074 | $84K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE USED FOR LIFE | 1,074 | $71K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY USED FOR LTD | 1,074 | $46K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD NC USED FOR SPECIFIC STOP LOSS | 1,074 | $669K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,074 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.