| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MELISSA NELSON3 Filed as: MELISSA A NELSON | PO BOX 9375 GREENSBORO, NC 274290375 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $34K | $0 | $34K | 8.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 200 BROOKSTONE CENTRE PKWY STE 118 COLUMBUS, GA 31904 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22K | $0 | $22K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $8K | $8K | 7.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 1202 N 16TH AVE STE 200 YAKIMA, WA 98902 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 5.96% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM STREET GREENSBORO, NC 27455 | GUARDIAN LIFE INSURANCE COMPANY | $19K | $6K | $25K | 23.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 200 BROOKSTONE CENTRE PKWY STE 118 COLUMBUS, GA 31904 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $0 | $18K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $8K | $8K | 8.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 1202 N 16TH AVE STE 200 YAKIMA, WA 98902 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 5.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 200 BROOKSTONE CENTRE PKWY STE 118 COLUMBUS, GA 31904 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 12.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1202 N 16TH AVE STE 200 YAKIMA, WA 98902 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 6.60% |
| MARSH & MCLENNAN AGENCY LLC3 | 200 BROOKSTONE CENTRE PKWY STE 118 COLUMBUS, GA 31904 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $0 | $15K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $8K | $8K | 10.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 1202 N 16TH AVE STE 200 YAKIMA, WA 98902 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 200 BROOKSTONE CENTRE PKWY STE 118 COLUMBUS, GA 31904 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1202 N 16TH AVE STE 200 YAKIMA, WA 98902 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 7.53% |
| RUTH A ANDERSON3 | 331 S FAYETTEVILLE ST CLAYTONG, NC 27520 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | $0 | $1K | 9.67% |
| SDM&R, INC DBA SENN DUNN INSURANCE3 | PO BOX 9375 GREENSBORO, NC 27429 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $740 | $0 | $740 | 6.44% |
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 | 1,461 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,466 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,859 | $75K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 8 | $14K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 609 | $401K |
| Other(6 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,859 | $473K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,859 | — |
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.