| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD SUITE 600 RALEIGH, NC 27612 | SUN LIFE ASSURANCE COMPANY OF CANADA | $79K | $0 | $79K | 29.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $6K | $6K | 2.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD SUITE 600 RALEIGH, NC 27612 | SUN LIFE ASSURANCE COMPANY OF CANADA | $24K | $0 | $24K | 14.90% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $2K | $7K | 4.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | 2101 6TH AVENUE NORTH SUITE 1200 BIRMINGHAM, AL 352032775 | VISION SERVICE PLAN | $13K | $0 | $13K | 15.68% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 303741738 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.60% |
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 | 445 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 342 | $81K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 445 | $267K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 445 | $267K |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 445 | $430K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 445 | — |
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.