| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST GREENSBORO, NC 27455 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $76K | $11K | $87K | 20.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN A MARSH & MCLENNAN AGENCY | PO BOX 9375 GREENSBORO, NC 27429 | COMMUNITY EYE CARE | $6K | — | $6K | 3.17% |
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 | 581 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 591 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 600 | $421K |
| Vision | COMMUNITY EYE CARE | 581 | $185K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 600 | $421K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 600 | $421K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 600 | $421K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 600 | $421K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 600 | — |
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.