| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 240282748 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $58 | $21K | 6.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $3K | $16K | 4.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 PARK 80 PLAZA SADDLE BROOK, NJ 076635832 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.88% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $3K | $19K | 7.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $305 | $18K | 6.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 0.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $71 | $5K | 8.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $634 | $5K | 8.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $374 | $374 | 0.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD. STE 220 RALEIGH, NC 27612 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 7.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 3.19% |
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 | 316 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 950 | $336K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 596 | $32K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 466 | $335K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 466 | $268K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 466 | $268K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 466 | $335K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 950 | — |
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.