| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN, A MARSH & MCLENNAN AGCY | 3625 NORTH ELM STREET SUITE 200 GREENSBORO, NC 27455 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $34K | $42K | 5.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 NORTH ELM STREET GREENSBORO, NC 27455 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $2K | $2K | 0.25% |
| SENN DUNN INSURANCE3 | PO BOX 419814 BOSTON, MA 02241 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $0 | $10K | 12.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD SUITE 600 RALEIGH, NC 27612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 6.30% |
| MARY ELLEN ESPOSITO3 | PO BOX 90891 RALEIGH, NC 27675 | CONTINENTAL AMERICAN INSURANCE COMPANY | $487 | $0 | $487 | 1.62% |
| NICHOLAS ESPOSITO3 | 801 MORATUCK DR APT 103 RALEIGH, NC 27604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $321 | $0 | $321 | 1.07% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DR #602 DURHAM, NC 27707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $228 | $0 | $228 | 0.76% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 2 GLENMORE DRIVE DURHAM, NC 27707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | $0 | $74 | 0.25% |
| LARRY A WESTON JR3 | 209 BRISTOL COURT GREENVILLE, NC 27834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | $0 | $32 | 0.11% |
| MICHAEL S WITHROW3 | 1673 SAWGRASS DRIVE PALM BAY, FL 32908 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | $0 | $29 | 0.10% |
| THE DIAMOND AGENCY LLC3 Filed as: THE DIAMOND AGENCY | 1017 ASHES DRIVE 106 WILMINGTON, NC 28405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | $0 | $15 | 0.05% |
| TEATORS INS PROTECTION SERVICES3 | 519 SHERWOOD FOREST PLACE CARY, NC 27513 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 0.04% |
| LARRY A WESTON JR3 | 321 WINDSOR RD GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | $0 | $9 | 0.03% |
| LAUREN E SKINNER3 | 204 E ARLINGON BLVD SUITE C GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| GORDON K VANN3 | 2156 WESLEY LANE GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| LARA K GRANDE3 | 204 E ARLINGTON BLVD UNIT C GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| CATHERINE L LEE3 | 10 NUN ST WILMINGTON, NC 28401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| GARY W GREENE3 | 1609 WEST ALRINGTON BLVD STE 102 GREENVILLE, NC 27834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
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 | 140 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 183 | $754K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 183 | $754K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 183 | $754K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 118 | $86K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 118 | $86K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 118 | $86K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 118 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.