| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS-CHARLOTTE | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $39K | — | $39K | 4.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2301 SUGAR BUSH RD STE 600 RALEIGH, NC 27612 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | $1K | $21K | 2.41% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURNACE INC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | COMPANION LIFE INSURANCE COMPANY | $7K | — | $7K | 4.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2301 SUGAR BUSH RD STE 600 RALEIGH, NC 27612 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 0.87% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 9.82% |
| TRANSAMERICA1 | 1400 CENTERVIEW LITTLE ROCK, AR 72211 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 6.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2301 SUGAR BUSH RD STE 600 RALEIGH, NC 27612 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 4.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 4.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2301 SUGAR BUSH RD STE 600 RALEIGH, NC 27612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $951 | — | $951 | 4.04% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 14.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2301 SUGAR BUSH RD STE 600 RALEIGH, NC 27612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $774 | — | $774 | 5.57% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL BENEFITS ADVISORS-CHARLOTTE | 200 GALLERIA PKWAY SE STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $695 | — | $695 | 5.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2301 SUGAR BUSH RD STE 600 RALEIGH, NC 27612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $505 | — | $505 | 4.21% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 14.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2301 SUGAR BUSH RD STE 600 RALEIGH, NC 27612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $634 | — | $634 | 5.57% |
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 | 1,556 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,577 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 267 | $873K |
| Dental | COMPANION LIFE INSURANCE COMPANY | 278 | $154K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 357 | $30K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,265 | $36K |
| Short-term disability(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 278 | $166K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 34 | $14K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 267 | $873K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,265 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,265 | — |
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.