| 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 | $29K | $0 | $29K | 4.95% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | METROPOLITAN LIFE INSURANCE CORPORATION USED FOR DENTAL | $22K | $3K | $25K | 4.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA | PO BOX 12748 ROANOKE, VA 24028 | METROPOLITAN LIFE INSURANCE CORPORATION USED FOR DENTAL | $9K | $47 | $9K | 1.57% |
| 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 | $1K | $1K | 0.23% |
| DOUG SUTTON & ASSOCIATES3 | PO BOX 20104 RALEIGH, NC 27619 | BLUE CROSS BLUE SHIELD NC USED FOR SPECIFIC STOP LOSS | $13K | — | $13K | 2.33% |
| TODD R REIDER3 Filed as: TODD REIDER | 2301 SUGAR BUSH RD STE 220 RALEIGH, NC 27612 | BLUE CROSS BLUE SHIELD NC USED FOR SPECIFIC STOP LOSS | $13K | — | $13K | 2.33% |
| DOUG SUTTON & ASSOCIATES3 | PO BOX 20104 RALEIGH, NC 27619 | METROPOLITAN LIFE INSURANCE COMPANY USED FOR VISION | $5K | $0 | $5K | 4.95% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | METROPOLITAN LIFE INSURANCE COMPANY USED FOR VISION | $4K | $539 | $4K | 4.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA | PO BOX 12748 ROANOKE, VA 24028 | METROPOLITAN LIFE INSURANCE COMPANY USED FOR VISION | $1K | $0 | $1K | 1.54% |
| 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 | $220 | $220 | 0.23% |
| DOUG SUTTON & ASSOCIATES3 | PO BOX 20104 RALEIGH, NC 27619 | METROPOLITAN LIFE INSURANCE USED FOR LIFE | $7K | — | $7K | 9.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA | PO BOX 12748 ROANOKE, VA 24028 | METROPOLITAN LIFE INSURANCE USED FOR LIFE | $4K | — | $4K | 5.12% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | METROPOLITAN LIFE INSURANCE USED FOR LIFE | $4K | — | $4K | 4.53% |
| 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 | $502 | $502 | 0.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE SADDLEBROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE USED FOR LIFE | — | $368 | $368 | 0.45% |
| DOUG SUTTON & ASSOCIATES3 | PO BOX 20104 RALEIGH, NC 27619 | LINCOLN NATIONAL LIFE INSURANCE COMPANY USED FOR LTD | $3K | — | $3K | 3.84% |
| 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 | $3K | — | $3K | 3.84% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY USED FOR LTD | $0 | $897 | $897 | 1.33% |
| DOUG SUTTON & ASSOCIATES3 | PO BOX 20104 RALEIGH, NC 27619 | METROPOLITAN LIFE INSURANCE USED FOR AD&D | $2K | — | $2K | 9.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA | PO BOX 12748 ROANOKE, VA 24028 | METROPOLITAN LIFE INSURANCE USED FOR AD&D | $1K | — | $1K | 4.95% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | METROPOLITAN LIFE INSURANCE USED FOR AD&D | $1K | — | $1K | 4.57% |
| 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 | — | $140 | $140 | 0.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE SADDLEBROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE USED FOR AD&D | — | $108 | $108 | 0.46% |
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 | 1,169 | $582K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY USED FOR VISION | 1,169 | $95K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE USED FOR LIFE | 1,169 | $105K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY USED FOR LTD | 1,169 | $67K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD NC USED FOR SPECIFIC STOP LOSS | 1,188 | $538K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,188 | — |
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."
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.