| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC | 3400 CROASDAILE DR # 206 DURHAM, NC 27705 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $60K | — | $60K | 13.12% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP INC | 3400 CROASDAILE DR # 206 DURHAM, NC 27705 | THE LINCOLN NATIONAL LIFE INSURANCE CO | — | — | $0 | 0.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY STE. 1950 ATLANTA, GA 30339 | COVENTRY HEALTH CARE OF CAROLINAS, INC. | $20K | — | $20K | 7.81% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 GALLERIA OFC CTR STE 300 ATLANTA, GA 30339 | COVENTRY HEALTH CARE OF CAROLINAS, INC. | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC | 3400 CROASDAILE DR # 206 DURHAM, NC 27705 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $16K | — | $16K | 11.11% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP INC | 3400 CROASDAILE DR # 206 DURHAM, NC 27705 | THE LINCOLN NATIONAL LIFE INSURANCE CO | — | — | $0 | 0.00% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP INC | 3400 CROASDAILE DR # 206 DURHAM, NC 27705 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $9K | — | $9K | 11.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC | 3400 CROASDAILE DR # 206 DURHAM, NC 27705 | THE LINCOLN NATIONAL LIFE INSURANCE CO | — | — | $0 | 0.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY STE. 1950 ATLANTA, NC 30339 | VISION SERVICE PLAN | $2K | — | $2K | 3.28% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP INC | 3400 CROASDAILE DR # 206 DURHAM, NC 27705 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $6K | — | $6K | 11.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC | 3400 CROASDAILE DR # 206 DURHAM, NC 27705 | THE LINCOLN NATIONAL LIFE INSURANCE CO | — | — | $0 | 0.00% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP INC | 3400 CROASDAILE DR # 206 DURHAM, NC 27705 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $1K | — | $1K | 16.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC | 3400 CROASDAILE DR # 206 DURHAM, NC 27705 | THE LINCOLN NATIONAL LIFE INSURANCE CO | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COVENTRY HEALTH CARE OF CAROLINAS I EIN 20-0229117 | Claims processing Service code 12 | — | $207K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $21K |
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 | 665 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 678 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COVENTRY HEALTH CARE OF CAROLINAS, INC. | 1,374 | $256K |
| Vision | VISION SERVICE PLAN | 481 | $62K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE CO | 516 | $60K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 420 | $13K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE CO | 393 | $505K |
| Stop-loss / reinsurancereinsurance | COVENTRY HEALTH CARE OF CAROLINAS, INC. | 1,374 | $256K |
| Other(7 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE CO | 501 | $294K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,374 | — |
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.