| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SENN DUNN INSURANCE3 | POST OFFICE BOX 9375 GREENSBORO, NC 27429 | UNITEDHEALTHCARE PLAN OF THE RIVER VALLEY, INC. | — | $35K | $35K | 3.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN MARSH & MCLENNAN AGENCY | POST OFFICE BOX 9395 GREENSBORO, NC 27429 | HUMANADENTAL INSURANCE COMPANY | $8K | $4K | $12K | 11.00% |
| IBSI HOLDINGS INC3 | POST OFFICE BOX 24337 WINSTON-SALEM, NC 27114 | HUMANADENTAL INSURANCE COMPANY | $5K | — | $5K | 4.48% |
| SENN DUNN INSURANCE3 | POST OFFICE BOX 9375 GREENSBORO, NC 27429 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 14.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 66 ROUTE 17 NORTH PARAMUS, NJ 07652 | USABLE LIFE | $2K | — | $2K | 7.67% |
| MOSAIC GROUP SERVICES | POST OFFICE BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | — | $2K | 6.47% |
| SDM&R, INC DBA SENN DUNN INSURANCE3 Filed as: SDM&R INC DBA SENN DUNN INSURANCE | POST OFFICE BOX 9375 GREENSBORO, NC 27429 | USABLE LIFE | $780 | — | $780 | 3.35% |
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 | 212 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE PLAN OF THE RIVER VALLEY, INC. | 369 | $1.1M |
| Dental | HUMANADENTAL INSURANCE COMPANY | 195 | $106K |
| Vision | UNITEDHEALTHCARE PLAN OF THE RIVER VALLEY, INC. | 369 | $1.1M |
| Life insurance | USABLE LIFE | 212 | $23K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 212 | $31K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 212 | $31K |
| Prescription drug | UNITEDHEALTHCARE PLAN OF THE RIVER VALLEY, INC. | 369 | $1.1M |
| Other | USABLE LIFE | 212 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.