| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRANDON J MOOREFIELD3 | 3625 N ELM ST GREENSBORO, NC 27455 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $25K | $1K | $26K | 3.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 9395 GREENSBORO, NC 27429 | HUMANADENTAL INSURANCE COMPANY | $9K | $3K | $12K | 13.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 9171 TOWNE CENTRE DR STE 500 SAN DIEGO, CA 921221238 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $442 | $4K | 19.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 9171 TOWNE CENTRE DR STE 500 SAN DIEGO, CA 921221238 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $386 | $5K | 27.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 9171 TOWNE CENTRE DR STE 500 SAN DIEGO, CA 921221238 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $345 | $3K | 19.26% |
| BRANDON J MOOREFIELD3 | 3625 N ELM ST GREENSBORO, NC 27455 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $1K | $0 | $1K | 8.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 9171 TOWNE CENTRE DR STE 500 SAN DIEGO, CA 921221238 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $754 | $100 | $854 | 19.25% |
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 | 138 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 212 | $748K |
| Dental | HUMANADENTAL INSURANCE COMPANY | 123 | $88K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 199 | $15K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $4K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $20K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $15K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 212 | $733K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.