| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9395 GREENSBORO, NC 274290395 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | $7K | $19K | 19.14% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | PO BOX 2291 DURHAM, NC 277022291 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 100362708 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 3.04% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9395 GREENSBORO, NC 27429 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9395 GREENSBORO, NC 27429 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUN A MARSH & MCLENNAN AGENCY | PO BOX 9375 GREENSBORO, NC 27429 | AMERITAS LIFE INSURANCE CORPORATION | $2K | — | $2K | 12.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA TWO 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | AMERITAS LIFE INSURANCE CORPORATION | — | $298 | $298 | 1.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN, A MARSH MCLENNAN AGENCY | PO BOX 9375 GREENSBORO, NC 27429 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $500 | — | $500 | 14.72% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9395 GREENSBORO, NC 27429 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $326 | — | $326 | 15.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 4700 FALLS OF NEUSE RD SUITE 190 RALEIGH, NC 27609 | DELAWARE AMERICAN LIFE INSURANCE COMPANY (METLIFE) | $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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 399 | $1.8M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 355 | $99K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 242 | $19K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 187 | $50K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 187 | $42K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 399 | $1.8M |
| Other | DELAWARE AMERICAN LIFE INSURANCE COMPANY (METLIFE) | 0 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 399 | — |
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.