| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2301 SUGAR BUSH ROAD SUITE 220 RALEIGH, NC 27612 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $58K | — | $58K | 3.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2301 SUGAR BUSH RD SUITE 220 RALEIGH, NC 27612 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $1K | $9K | 11.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2301 SUGAR BUSH ROAD SUITE 220 RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $542 | $7K | 14.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2301 SUGAR BUSH ROAD SUITE 200 RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $205 | $3K | 14.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2301 SUGAR BUSH ROAD SUITE 220 RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $994 | $124 | $1K | 11.25% |
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 165 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 339 | $77K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 339 | $77K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 203 | $28K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 91 | $48K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 91 | $48K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 165 | $1.5M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 203 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 339 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.