| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST. STE 200 GREENSBORO, NC 27455 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $69K | $0 | $69K | 8.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 SOUTH JEFFERSON STREET ROANOKE, VA 24011 | DELTA DENTAL OF NORTH CAROLINA | $27K | $0 | $27K | 8.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN, A MARSH MCLENNAN AGENCY | PO BOX 419814 BOSTON, MA 02241 | SUN LIFE ASSURANCE COMPANY OF CANADA | $37K | $0 | $37K | 11.71% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $5K | $7K | 2.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 2 WILLIAM T MORRISSEY BLVD DORCHESTER, MA 021253312 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.27% |
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 | 652 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 663 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 497 | $850K |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 793 | $339K |
| Vision | VISION SERVICE PLAN | 424 | $56K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,541 | $315K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,541 | $315K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,541 | $315K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 497 | $850K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,541 | $315K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,541 | — |
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.