| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN, DUNN, MARSH, & ROLAND | PO BOX 9375 GREENSBORO, NC 27429 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 0.28% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST GREENSBORO, NC 27455 | GUARDIAN | $26K | $8K | $35K | 15.68% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 1105 NORTH MARKET ST STE 1300 WILMINGTON, DE 19801 | GUARDIAN | -$4K | — | -$4K | -1.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN, DUNN, MARSH, & ROLAND | PO BOX 9395 GREENSBORO, NC 274290395 | HUMANA DENTAL INSURANCE COMPANY | $27K | — | $27K | 14.64% |
| IBSI HOLDINGS INC3 | PO BOX 24337 WINSTON SALEM, NC 271144337 | HUMANA DENTAL INSURANCE COMPANY | $9K | — | $9K | 4.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 9375 GREENSBORO, NC 274290375 | PROVIDENT LIFE & ACCIDENT INSURANCE CO | $498 | — | $498 | 3.21% |
| DWIGHT L PIERCE3 | 20 WIGHT AVE STE 160 HUNT VALLEY, MD 21030 | PROVIDENT LIFE & ACCIDENT INSURANCE CO | $354 | — | $354 | 2.28% |
| DWIGHT L PIERCE3 | 20 WIGHT AVE STE 160 HUNT VALLEY, MD 21030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $367 | — | $367 | 6.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 9375 GREENSBORO, NC 27429 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $215 | — | $215 | 3.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 | Participant communication; Direct payment from the plan; Other services; Non-monetary compensation; Float revenue; Claims processing; Contract Administrator Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $133K |
| SENN DUNN INSURANCE EIN 56-2228429 | Contract Administrator Service code 13 | PO BOX 9375 GREENSBORO, NC 27429 | $40K |
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 | 288 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 420 | $608K |
| Dental | HUMANA DENTAL INSURANCE COMPANY | 272 | $184K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 286 | $236K |
| Short-term disability | GUARDIAN | 286 | $221K |
| Long-term disability | GUARDIAN | 286 | $221K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 15 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 420 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.