| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBLE CONSULTANTS LLC3 | 4080 BARRETT DR. STE 201 RALEIGH, NC 27609 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $19K | $25K | 1.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | P.O. BOX 12748 ROANOKE, VA 24028 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $44 | $8K | 5.95% |
| PAUL COBLE3 | 4080 BARRETT DR. STE 201 RALEIGH, NC 27609 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN AGEN | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.76% |
| COBLE CONSULTANTS LLC3 | 4080 BARRETT DR. STE 201 RALEIGH, NC 27609 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 7.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 2443 LYNN RD., STE. 208 RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $614 | $2K | 2.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SAVERS ADMIN EIN 57-1177739 | Claims processing Service code 12 | 635 WEST FOURTH ST. STE. 201 WINSTON-SALEM, NC 27101 | $15K |
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 | 281 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 281 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 438 | $135K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 232 | $75K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 232 | $75K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 232 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 438 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.