| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 3625 N ELM ST GREENSBORO, NC 27455 | GUARDIAN | $9K | — | $9K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 3625 N ELM ST GREENSBORO, NC 27455 | GUARDIAN | $27K | — | $27K | 12.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN MARSH & MCLENNAN AGENCY | PO BOX 9395 GREENSBORO, NC 27429 | HUMANA DENTAL INSURANCE COMPANY | $26K | — | $26K | 13.95% |
| PIERCE, DWIGHT, L3 Filed as: PIERCE,DWIGHT BENEFITS TECHNOLOGIES | 1200 E TAFT AVE SAPULPA, OK 74066 | PROVIDENT LIFE & ACCIDENT INSURANCE CO | $369 | — | $369 | 2.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 250 HEHELE AVE W #400 SADDLE BROOK, NJ 07663 | PROVIDENT LIFE & ACCIDENT INSURANCE CO | $274 | — | $274 | 1.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 9375 GREENSBORO, NC 27429 | PROVIDENT LIFE & ACCIDENT INSURANCE CO | $211 | — | $211 | 1.48% |
| DWIGHT L PIERCE3 | 20 WIGHT AVE STE 160 HUNT VALLEY, MD 21030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $229 | — | $229 | 6.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 250 PEHLE AVE W #400 SADDLE BROOK, NJ 07663 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $131 | — | $131 | 3.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 9375 GREENSBORO, NC 274290375 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $112 | — | $112 | 2.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDCOST BENEFIT SERVICES EIN 56-2056821 | Contract Administrator Service code 13 | 165 KIMEL PARK DR WINSTON-SALEM, NC 27103 | $85K |
| 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 | 308 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 240 | $24K |
| Dental | HUMANA DENTAL INSURANCE COMPANY | 275 | $184K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 300 | $238K |
| Short-term disability | GUARDIAN | 300 | $224K |
| Long-term disability | GUARDIAN | 300 | $224K |
| Stop-loss / reinsurancereinsurance | GUARDIAN | 284 | $463K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 14 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.