| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEWTON, CORY S3 | 3625 N ELM ST. GREENSBORO, NC 27455 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $42K | $0 | $42K | 5.67% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST SUITE 200 GREENSBORO, NC 274552604 | PRINCIPAL LIFE INSURANCE COMPANY | $22K | $2K | $23K | 13.57% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | PO BOX 2291 DURHAM, NC 277022291 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 4.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN, A MARSH & MCLENNAN AGCY | PO BOX 9375 GREENSBORO, NC 27429 | EYEMED | $989 | $0 | $989 | 9.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N. ELM STREET GREENSBORO, NC 27455 | EYEMED | $94 | $0 | $94 | 0.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST SUITE 200 GREENSBORO, NC 27455 | EYEMED | $81 | $0 | $81 | 0.75% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 159 | $745K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 229 | $171K |
| Vision | EYEMED | 143 | $11K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 229 | $171K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 229 | $171K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 229 | $171K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 159 | $745K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.