| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MELISSA NELSON3 Filed as: MELISSA A NELSON | PO BOX 9375 GREENSBORO, NC 274290375 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $47K | $0 | $47K | 1.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 161 WASHINGTON ST CONSHOHOCKEN, PA 19428 | DELTA DENTAL OF NORTH CAROLINA | $17K | $0 | $17K | 7.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | ONE S JEFFERSON ST ROANOKE, VA 24011 | DELTA DENTAL OF NORTH CAROLINA | $5K | $0 | $5K | 2.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 W ELM ST STE 200 GREENSBORO, NC 27455 | HARTFORD LIFE AND ACCIDENT | $10K | $0 | $10K | 9.60% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | 4611 UNIVERSITY DR DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | $0 | $6K | $6K | 6.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 1.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $0 | $13 | $13 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN MARSH MCLENNAN AGENCY LLC | 3625 NORTH ELM STREET #200 GREENSBORO, NC 27455 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | $0 | $4K | 8.79% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM INSURANCE COMPANY | $2K | $0 | $2K | 20.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM INSURANCE COMPANY | $0 | $591 | $591 | 4.85% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM INSURANCE COMPANY | $2K | $0 | $2K | 16.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM INSURANCE COMPANY | $0 | $410 | $410 | 3.50% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM INSURANCE COMPANY | $0 | $200 | $200 | 2.22% |
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 | 226 | 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) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 501 | $2.5M |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 501 | $227K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 423 | $40K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 226 | $105K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 226 | $105K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 226 | $105K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 501 | $2.5M |
| Other(5 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 501 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 501 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.