| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | PO BOX 419103 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE CORPORATION USED FOR DENTAL | $17K | — | $17K | 1.67% |
| 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 | — | $2K | $2K | 0.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TODD REIDER C/O MARSH USA | 2301 SUGAR BUSH RD STE 220 RALEIGH, NC 27612 | BLUE CROSS BLUE SHIELD NC USED FOR SPECIFIC STOP LOSS | $41K | — | $41K | 4.70% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN | PO BOX 12748 ROANOKE, VA 24028 | COMPANION LIFE USED FOR SPECIFIC STOP LOSS | $24K | — | $24K | 10.00% |
| XL BENEFIT INSURANCE SERVICES | 10471 GRANT LINE ROAD ELK GROVE, CA 95624 | COMPANION LIFE USED FOR SPECIFIC STOP LOSS | $12K | — | $12K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | PO BOX 419103 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY USED FOR VISION | $15K | — | $15K | 9.88% |
| 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 | — | $2K | $2K | 1.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | PO BOX 419103 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE USED FOR AD&D | $21K | — | $21K | 14.00% |
| 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 | — | $2K | $2K | 1.17% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY USED FOR LTD | $6K | — | $6K | 4.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | PO BOX 419103 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE USED FOR LIFE | $14K | — | $14K | 16.25% |
| 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 | — | $1K | $1K | 1.35% |
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 | 1,502 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,502 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE CORPORATION USED FOR DENTAL | 4,117 | $1.0M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY USED FOR VISION | 4,117 | $153K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE USED FOR AD&D | 4,117 | $236K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY USED FOR LTD | 1,792 | $137K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD NC USED FOR SPECIFIC STOP LOSS | 1,502 | $877K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,117 | — |
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."
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.