| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $70K | $50K | $121K | 9.32% |
| WEX HEALTH, INC.3 Filed as: WEX HEALTH | 4321 20TH AVE S FARGO, ND 58103 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $39K | $41K | 3.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2301 SUGAR BUSH RD STE 220 RALEIGH, NC 27612 | RELIASTAR LIFE INSURANCE COMPANY | $244K | — | $244K | 27.09% |
| WEX HEALTH, INC.3 Filed as: WEX HEALTH | 82 HOPMEADOW ST STE 220 WEATOGUE, CT 06089 | RELIASTAR LIFE INSURANCE COMPANY | — | $36K | $36K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | $30K | $67K | 10.03% |
| WEX HEALTH, INC.3 Filed as: WEX HEALTH | 4321 20TH AVE S FARGO, ND 58103 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $19K | $20K | 3.00% |
| OPTAVISE, LLC3 Filed as: OPTAVISE | 120 18TH ST STE 102 BIRMINGHAM, AL 35233 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $871 | $871 | 0.13% |
| OPTAVISE, LLC3 Filed as: OPTAVISE LLC | 120 18TH STREET SOUTH BIRMINGHAM, AL 35233 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $69K | — | $69K | 13.66% |
| WILLIAM F SALMON3 Filed as: WILLIAM SALMON | PO BOX 419814 BOSTON, MA 02241 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 0.55% |
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 | 5,781 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 126 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 321 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,498 | $1.8M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,607 | $668K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 4,080 | $903K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,498 | — |
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.