| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $20K | — | $20K | 2.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | PO BOX 12748 ROANOKE, VA 24028 | METROPOLITAN LIFE INSURANCE CORPORATION USED FOR DENTAL | $44K | — | $44K | 6.31% |
| DOUG SUTTON & ASSOCIATES3 | PO BOX 20104 RALEIGH, NC 27619 | METROPOLITAN LIFE INSURANCE CORPORATION USED FOR DENTAL | $26K | — | $26K | 3.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE CORPORATION USED FOR DENTAL | — | $6K | $6K | 0.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | PO BOX 12748 ROANOKE, VA 24028 | METROPOLITAN LIFE INSURANCE COMPANY USED FOR VISION | $7K | — | $7K | 6.28% |
| DOUG SUTTON & ASSOCIATES3 | PO BOX 20104 RALEIGH, NC 27619 | METROPOLITAN LIFE INSURANCE COMPANY USED FOR VISION | $4K | — | $4K | 3.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY USED FOR VISION | — | $925 | $925 | 0.79% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY USED FOR LTD | $3K | — | $3K | 3.44% |
| DOUG SUTTON & ASSOCIATES3 | PO BOX 20104 RALEIGH, NC 27619 | LINCOLN NATIONAL LIFE INSURANCE COMPANY USED FOR LTD | $3K | — | $3K | 3.06% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY USED FOR LTD | — | $2K | $2K | 2.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | PO BOX 12748 ROANOKE, VA 24028 | METROPOLITAN LIFE INSURANCE USED FOR LIFE | $7K | — | $7K | 9.41% |
| DOUG SUTTON & ASSOCIATES3 | PO BOX 20104 RALEIGH, NC 27619 | METROPOLITAN LIFE INSURANCE USED FOR LIFE | $4K | — | $4K | 5.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE USED FOR LIFE | — | $571 | $571 | 0.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | PO BOX 12748 ROANOKE, VA 24028 | METROPOLITAN LIFE INSURANCE USED FOR AD&D | $2K | — | $2K | 9.41% |
| DOUG SUTTON & ASSOCIATES3 | PO BOX 20104 RALEIGH, NC 27619 | METROPOLITAN LIFE INSURANCE USED FOR AD&D | $1K | — | $1K | 5.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE USED FOR AD&D | — | $168 | $168 | 0.78% |
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 | 1,242 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE CORPORATION USED FOR DENTAL | 3,176 | $699K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY USED FOR VISION | 3,176 | $118K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE USED FOR LIFE | 3,176 | $94K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY USED FOR LTD | 1,298 | $82K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD NC USED FOR SPECIFIC STOP LOSS | 1,242 | $801K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,176 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.