| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD STE 220 RALEIGH, NC 276122956 | RELIASTAR LIFE INSURANCE COMPANY | $368K | $0 | $368K | 19.57% |
| T2B SOLUTIONS INC.3 Filed as: T2B SOLUTION INC. | PO BOX 43 INDIANOLA, IA 501250043 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $343 | $343 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC RALEIGH | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $105K | $0 | $105K | 7.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC FKA SLIA INC | PO BOX 9465 NEW YORK, NY 10087 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $26K | $0 | $26K | 3.90% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 419814 LOCKBOX 491814 BOSTON, MA 02241 | KAISER FOUNDATION HEALTH PLAN INC | $25K | $0 | $25K | 5.12% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 419814 LOCKBOX 419814 BOSTON, MA 022419110 | KAISER FOUNDATION HEALTH PLAN INC | $7K | $0 | $7K | 4.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC RALEIGH | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | $0 | $5K | 7.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC BOSTON | — | CIGNA HEALTHCARE OF CALIFORNIA | $3K | $0 | $3K | 8.05% |
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 | 372 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 706 | $2.8M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 706 | $1.5M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 706 | $1.5M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 2,167 | $1.9M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 2,167 | $1.9M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 2,167 | $1.9M |
| Prescription drug(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 706 | $2.6M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 2,167 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,167 | — |
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.