| 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 | $111K | — | $111K | 9.18% |
| 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 | — | $11K | $11K | 0.92% |
| 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 | $30K | — | $30K | 3.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | PO BOX 12748 ROANOKE, VA 24028 | COMPANION LIFE USED FOR SPECIFIC STOP LOSS | $33K | — | $33K | 10.00% |
| XL BENEFIT INSURANCE SERVICES3 | 10471 GRANT LINE ROAD ELK GROVE, CA 95624 | COMPANION LIFE USED FOR SPECIFIC STOP LOSS | $16K | — | $16K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | PO BOX 419103 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE USED FOR LIFE | $30K | — | $30K | 13.77% |
| 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 | — | $2K | $2K | 0.92% |
| 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 | $5K | — | $5K | 2.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | PO BOX 419103 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY USED FOR VISION | $15K | — | $15K | 9.10% |
| 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 | — | $1K | $1K | 0.91% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY USED FOR LTD | $6K | — | $6K | 3.95% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY USED FOR LTD | — | $5K | $5K | 3.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | PO BOX 419103 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE USED FOR AD&D | $9K | — | $9K | 13.77% |
| 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 | — | $608 | $608 | 0.92% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY USED FOR LTD | $3K | — | $3K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY USED FOR LTD | — | $550 | $550 | 3.13% |
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 | 1,619 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,619 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE CORPORATION USED FOR DENTAL | 3,404 | $1.2M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY USED FOR VISION | 3,404 | $162K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE USED FOR LIFE | 3,404 | $285K |
| Long-term disability(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY USED FOR LTD | 1,619 | $170K |
| Stop-loss / reinsurancereinsurance(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD NC USED FOR SPECIFIC STOP LOSS | 1,619 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,404 | — |
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.