| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SONJA CALABRIA3 Filed as: SONJA S CALABRIA | 4505 FALLS OF NEUSE RD SUITE 650 RALEIGH, NC 27609 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | — | $2K | $2K | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARCH & MCLENNAN AGENCY LLC | PO BOX 9395 GREENSBORO, NC 27429 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 6.92% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 5.07% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | PO BOX 2291 DURHAM, NC 27702 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC SENN DU | PO BOX 9395 GREENSBORO, NC 27429 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC SENN DU | PO BOX 9395 GREENSBORO, NC 27429 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN, A MARSH MCLENNAN AGENCY | PO BOX 9375 GREENSBORO, NC 27429 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $2K | — | $2K | 9.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC SENN DU | PO BOX 9395 GREENSBORO, NC 27429 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $310 | — | $310 | 14.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC SENN DU | 4700 FALLS OF NEUSE RD SUITE 190 RALEIGH, NC 27609 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $225 | — | $225 | 15.00% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 390 | $1.7M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 343 | $101K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 226 | $22K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 241 | $45K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 180 | $38K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 390 | $1.7M |
| Other | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 0 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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.