| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MELISSA NELSON3 | PO BOX 9375 GREENSBORO, NC 27429 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $39K | $0 | $39K | 2.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 161 WASHINGTON ST STE 1200 CONSHOHOCKEN, PA 19428 | DELTA DENTAL OF NORTH CAROLINA | $15K | $0 | $15K | 10.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 W ELM ST SUITE 200 GREENSBORO, NC 27455 | HARTFORD LIFE AND ACCIDENT | $8K | $0 | $8K | 10.03% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | PO BOX 2291 DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | $0 | $5K | $5K | 6.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 2.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN, A MARSH MCLENNAN AGENCY | 3625 NORTH ELM STREET #200 GREENSBORO, NC 27455 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $2K | $0 | $2K | 10.00% |
| 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 | $142 | $142 | 2.01% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM INSURANCE COMPANY | $819 | $0 | $819 | 14.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM INSURANCE COMPANY | $0 | $130 | $130 | 2.34% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM INSURANCE COMPANY | $741 | $0 | $741 | 14.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM INSURANCE COMPANY | $0 | $120 | $120 | 2.39% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | 4613 UNIVERSITY DRIVE DURHAM, NC 27707 | UNUM INSURANCE COMPANY | $0 | $7 | $7 | 0.14% |
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 | 131 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 325 | $1.8M |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 327 | $150K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 258 | $17K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 128 | $79K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 128 | $79K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 325 | $1.8M |
| Other(5 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 325 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.