| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE COMPANY | $23K | $4K | $27K | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, NC 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | $4K | $28K | 11.50% |
| TEAM SOFTWARE INC3 | 407 S 27TH AVE OMAHA, NE 68131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $12K | $12K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD SUITE 600 RALEIGH, NC 27612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59K | $0 | $59K | 24.75% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | $6K | $41K | 17.45% |
| TEAM SOFTWARE INC3 | 407 S 27TH AVE OMAHA, NE 68131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $12K | $12K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $7K | $22K | 15.00% |
| TEAM SOFTWARE INC3 | 407 S 27TH AVE OMAHA, NE 68131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.03% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $2K | $9K | 12.88% |
| TEAM SOFTWARE INC3 | 407 S 27TH AVE OMAHA, NE 68131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC-NC | 2443 LYNN RD STE 208 RALEIGH, NC 27612 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $0 | $11K | 15.12% |
| TRANSAMERICA3 | 1400 CENTERVIEW STE 600 LITTLE ROCK, AR 72211 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $4K | $4K | 5.04% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $2K | $10K | 18.38% |
| TEAM SOFTWARE INC3 | 407 S 27TH AVE OMAHA, NE 68131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
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 | 4,183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 551 | $2.7M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 675 | $2.9M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 828 | $2.8M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,183 | $309K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 678 | $145K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 152 | $54K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 4,183 | $546K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,183 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.