| 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 | $71K | $25K | $97K | 6.27% |
| WEX HEALTH, INC.3 Filed as: WEX HEALTH | 4321 20TH AVE S FARGO, ND 58103 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | — | $26K | 1.66% |
| OPTAVISE, LLC3 Filed as: OPTAVISE | 120 18TH ST. STE 102 BIRMINGHAM, AL 35233 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 0.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2301 SUGAR BUSH RD STE 220 RALEIGH, NC 27612 | RELIASTAR LIFE INSURANCE COMPANY | $209K | — | $209K | 25.00% |
| WEX HEALTH, INC.3 Filed as: WEX HEALTH | 82 HOPMEADOW ST STE 220 WEATOGUE, CT 06089 | RELIASTAR LIFE INSURANCE COMPANY | — | $33K | $33K | 4.00% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH | 120 18TH STREET SOUTH BIRMINGHAM, AL 35233 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $93K | — | $93K | 15.17% |
| WILLIAM F SALMON3 Filed as: WILLIAM SALMON | PO BOX 419814 BOSTON, MA 02241 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 1.01% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,414 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,414 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.