| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST STE 200 GREENSBORO, NC 27455 | PROVIDENCE - S&S HEALTHCARE STRATEGIES, LTD. | $52K | $0 | $52K | 6.13% |
| MEDEFY HEALTH LLC3 | 15 E 5TH ST STE 2701 TULSA, OK 74103 | PROVIDENCE - S&S HEALTHCARE STRATEGIES, LTD. | $9K | $0 | $9K | 1.02% |
| IBENEFIT COMMUNICATION LLC3 | 4400 PARK RD STE 311 CHARLOTTE, NC 28209 | PROVIDENCE - S&S HEALTHCARE STRATEGIES, LTD. | $336 | $0 | $336 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST STE 200 GREENSBORO, NC 27455 | AMERITAS LIFE INSURANCE CORP. | $8K | $0 | $8K | 10.00% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP LLC | P.O. BOX 161690 AUSTIN, TX 78716 | AMERITAS LIFE INSURANCE CORP. | $4K | $0 | $4K | 5.00% |
| IBENEFIT COMMUNICATION LLC3 | 4400 PARK RD STE 311 CHARLOTTE, NC 28209 | MANHATTANLIFE ASSURANCE CO. OF AMERICA | $5K | $0 | $5K | 21.43% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP LLC | P.O. BOX 161690 AUSTIN, TX 78716 | MANHATTANLIFE ASSURANCE CO. OF AMERICA | $3K | $0 | $3K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST STE 200 GREENSBORO, NC 27455 | MANHATTANLIFE ASSURANCE CO. OF AMERICA | $3K | $0 | $3K | 14.29% |
| IBENEFIT COMMUNICATION LLC3 | 4400 PARK RD STE 311 CHARLOTTE, NC 28209 | MANHATTANLIFE ASSURANCE CO. OF AMERICA | $4K | $0 | $4K | 24.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST STE 200 GREENSBORO, NC 27455 | MANHATTANLIFE ASSURANCE CO. OF AMERICA | $3K | $0 | $3K | 16.11% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP LLC | P.O. BOX 161690 AUSTIN, TX 78716 | MANHATTANLIFE ASSURANCE CO. OF AMERICA | $2K | $0 | $2K | 14.95% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 9.94% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $316 | $316 | 1.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST STE 200 GREENSBORO, NC 27455 | AMERITAS LIFE INSURANCE CORP. | $1K | $0 | $1K | 10.00% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP LLC | P.O. BOX 161690 AUSTIN, TX 78716 | AMERITAS LIFE INSURANCE CORP. | $733 | $0 | $733 | 4.96% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 23.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $439 | $439 | 3.14% |
| IBENEFIT COMMUNICATION LLC3 | 4400 PARK RD STE 311 CHARLOTTE, NC 28209 | MANHATTANLIFE ASSURANCE CO. OF AMERICA | $2K | $0 | $2K | 20.54% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP LLC | P.O. BOX 161690 AUSTIN, TX 78716 | MANHATTANLIFE ASSURANCE CO. OF AMERICA | $2K | $0 | $2K | 15.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST STE 200 GREENSBORO, NC 27455 | MANHATTANLIFE ASSURANCE CO. OF AMERICA | $2K | $0 | $2K | 13.68% |
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 | 330 | 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) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROVIDENCE - S&S HEALTHCARE STRATEGIES, LTD. | 240 | $848K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 276 | $78K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 222 | $15K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 330 | $16K |
| Stop-loss / reinsurancereinsurance | PROVIDENCE - S&S HEALTHCARE STRATEGIES, LTD. | 240 | $848K |
| Other(5 contracts, 2 carriers) | MANHATTANLIFE ASSURANCE CO. OF AMERICA | 330 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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.