| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MELISSA NELSON3 Filed as: MELISSA A NELSON | PO BOX 9375 GREENSBORO, NC 27429 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $120K | $0 | $120K | 2.80% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN FL 16 DALLAS, TX 75231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $0 | $16K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $8K | $8K | 10.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM STREET GREENSBORO, NC 27455 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 17.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $16K | $16K | 22.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN FL 16 DALLAS, TX 75231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $0 | $15K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN FL 16 DALLAS, TX 75231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $8K | $8K | 12.33% |
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 | 1,117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 894 | $4.3M |
| Dental | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 894 | $4.3M |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 894 | $4.3M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,117 | $65K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 894 | $4.3M |
| Other(5 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 1,117 | $4.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,117 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.