| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WES BARTLETT3 Filed as: WES S BARTLETT | PO BOX 9375 GREENSBORO, NC 274290375 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $8K | $0 | $8K | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 274290375 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $94K | $0 | $94K | 16.37% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $13K | $13K | 2.34% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 2.34% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 274290375 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $81K | $0 | $81K | 15.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $12K | $12K | 2.21% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 2.21% |
| IBENEFIT COMMUNICATION LLC3 | 131 HILLSIDE AVE CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $46K | $3K | $49K | 13.49% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $0 | $25K | 6.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 0.42% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC. | 1 BURTON HILLS BLVD STE 300E NASHVILLE, TN 37215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8 | $0 | $8 | 0.00% |
| MORRIS, CHRISTOPHER, ROBERT3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1 | $0 | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 274290375 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $0 | $24K | 19.73% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 2.82% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 2.82% |
| BENEFIT COMMUNICATIONS INC3 | 1 BURTON HILLS BLVD STE 300E NASHVILLE, TN 37215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $821 | $0 | $821 | 2.23% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 274290375 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $537 | $0 | $537 | 1.46% |
| IBENEFIT COMMUNICATION LLC3 | 131 HILLSIDE AVE CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $486 | $0 | $486 | 1.32% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 2,364 | $814K |
| Dental | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 2,364 | $814K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 2,364 | $814K |
| Life insurance | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 67 | $37K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 992 | $524K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 992 | $646K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 2,364 | $814K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 1,360 | $779K |
| Other(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 2,364 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,364 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.