| 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 | $76K | $67K | $142K | 8.68% |
| WEX HEALTH, INC.3 Filed as: WEX HEALTH | 4321 20TH AVE S FARGO, ND 58103 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $45K | $45K | 2.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2301 SUGAR BUSH RD STE 220 RALEIGH, NC 27612 | RELIASTAR LIFE INSURANCE COMPANY | $275K | — | $275K | 25.00% |
| WEX HEALTH, INC.3 Filed as: WEX HEALTH | 82 HOPMEADOW ST STE 220 WEATOGUE, CT 06089 | RELIASTAR LIFE INSURANCE COMPANY | — | $44K | $44K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $40K | $38K | $78K | 8.95% |
| WEX HEALTH, INC.3 Filed as: WEX HEALTH | 4321 20TH AVE S FARGO, ND 58103 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $24K | $24K | 2.76% |
| WILLIAM F SALMON3 Filed as: WILLIAM SALMON | PO BOX 419814 BOSTON, MA 02241 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31K | — | $31K | 5.90% |
| OPTAVISE, LLC3 Filed as: OPTAVISE LLC | 120 18TH STREET SOUTH BIRMINGHAM, AL 35233 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20K | — | $20K | 3.82% |
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 | 5,243 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 213 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,500 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,195 | $2.2M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,017 | $866K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 5,452 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,195 | — |
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.