| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 6.29% |
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 Filed as: HCW EMPLOYEE BENEFIT SERVICES LLC | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $487 | — | $487 | 0.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN MARSH & ROLAND INC | 440 SOUTH CHURCH STREET SUITE 500 CHARLOTTE, NC 28202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $330 | $3K | 15.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN MARSH & ROLAND INC | 440 SOUTH CHURCH STREET SUITE 500 CHARLOTTE, NC 28202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $187 | $2K | 11.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN MARSH & ROLAND INC | 440 SOUTH CHURCH STREET SUITE 500 CHARLOTTE, NC 28202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $57 | $1K | 11.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN MARSH & ROLAND INC | 440 SOUTH CHURCH STREET SUITE 500 CHARLOTTE, NC 28202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $912 | $59 | $971 | 10.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT ADMINISTRATIVE SYSTEMS NONE | Plan Administrator; Claims processing Service code 12 | 17475 JOVANNA DRIVE HOMEWOOD, IL 60430 | $35K |
| HCW EMPLOYEE BENEFIT SERVICES NONE | Insurance agents and brokers Service code 22 | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | $14K |
| SENN DUNN INSURANCE NONE | Insurance agents and brokers Service code 22 | 3625 N. ELM STREET GREENSBORO, NC 27455 | $14K |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 275 | $72K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 275 | $72K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 124 | $26K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 10 | $9K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 133 | $20K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 124 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.