| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 240282748 | METROPOLITAN LIFE INSURANCE COMPANY | $45K | $38 | $45K | 9.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 PARK 80 PLAZA SADDLE BROOK, NJ 076635832 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 2443 LYNN ROAD STE 208 RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $46K | $7K | $53K | 14.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 2443 LYNN ROAD STE 208 RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $14K | 17.00% |
| JOHN MCDONNELL3 | 2443 LYNN ROAD STE 208 RALEIGH, NC 27612 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $3K | — | $3K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLORES AND ASSOCIATES EIN 56-1542307 | Claims processing; Account maintenance fees Service code 12 | — | $8K |
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 | 464 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 475 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 961 | $0 |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,279 | $457K |
| Vision | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 961 | $0 |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 471 | $441K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 471 | $358K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 471 | $358K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 961 | $0 |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 961 | $0 |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 471 | $441K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,279 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.