| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 2443 LYNN RD RALEIGH, NC 27612 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $34K | $1K | $35K | 2.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $3K | $6K | 12.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 2443 LYNN RD SUITE 208 RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $700 | $6K | 15.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 2443 LYNN RD STE 208 RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $448 | $3K | 30.71% |
| MARSH & MCLENNAN AGENCY LLC3 | 2443 LYNN RD STE 208 RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $283 | $1K | 24.32% |
| MARSH & MCLENNAN AGENCY LLC3 | 2443 LYNN RD STE 208 RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $274 | $2K | 29.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 2443 LYNN RD STE 208 RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $602 | $54 | $656 | 72.49% |
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 | 149 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 220 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 338 | $48K |
| Vision | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 220 | $1.3M |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 149 | $53K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 149 | $51K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 149 | $51K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 220 | $1.3M |
| Other(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 149 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.