| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 3130 CROW CANYON PLACE SUITE 400 SAN RAMON, CA 94583 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $118K | — | $118K | 5.12% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 211486 COLUMBIA, SC 29221 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $63K | — | $63K | 2.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 3130 CROW CANYON PLACE SUITE 400 SAN RAMON, CA 94583 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $50K | — | $50K | 4.56% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 211486 COLUMBIA, SC 29221 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | — | $30K | 2.73% |
| MARSH & MCLENNAN AGENCY LLC3 | 3130 CROW CANYON PLACE SUITE 400 SAN RAMON, CA 94583 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $45K | — | $45K | 4.57% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 211486 COLUMBIA, SC 29221 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | — | $27K | 2.74% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $29K | — | $29K | 4.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DRIVE SUITE GREENSBORO, NC 27409 | VISION SERVICE PLAN | $2K | — | $2K | 0.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AG | ATTN ACCOUNTING SUITE 1800 7701 AIRPORT CENTER DRIVE GREENSBORO, NC 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $62K | $9K | $71K | 17.41% |
| BENEFITS INC3 Filed as: THE BENEFITS COMPANY INC | PO BOX 211486 COLUMBIA, SC 29221 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 3.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AG | ATTN ACCOUNTING SUITE 1800 7701 AIRPORT CENTER DRIVE GREENSBORO, NC 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | $5K | $39K | 19.88% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 3.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AG | ATTN ACCOUNTING SUITE 1800 7701 AIRPORT CENTER DRIVE GREENSBORO, NC 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | $5K | $33K | 17.39% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 3.68% |
| MCGRIFF INSURANCE SERVICES INC3 | — | TELADOC HEALTH, INC. | $14K | — | $14K | 15.00% |
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 | 4,088 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,860 | $585K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,124 | $2.3M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 152 | $1.1M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,125 | $978K |
| Prescription drug | RXBENEFITS | 2,210 | $11.5M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 3,086 | $1.5M |
| Other(9 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,125 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,125 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.